Glossary · Plan types
What is a waiting period?
A waiting period is the time that must pass before job-based coverage can take effect for an otherwise eligible employee or dependent.
Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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Waiting period: the facts
| Item | Fact | Source |
|---|---|---|
| Applies to | Job-based health plans | HealthCare.gov glossary: Waiting period (job-based coverage) |
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What does waiting period mean in health insurance?
A waiting period is the time that must pass before job-based coverage can take effect for an otherwise eligible employee or dependent.