If your group plan through work is ending, apply before it ends or within 60 days after. Most insurers offer a guaranteed issue plan, with no health questions, within 60 days of group coverage ending, and some allow up to 90, so applying within 60 days keeps the most options open. If you have no group plan to leave, you can apply at any time, and a medically underwritten plan is easier to qualify for while you’re healthy.
When should I apply for health and dental insurance?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about health and dental insurance
Your own coverage for what provincial plans don’t pay.
More questions about health and dental insurance
- What is the benefit of a guaranteed acceptance health and dental plan compared with other plans?
- What is the benefit of a medically underwritten health and dental plan compared with other plans?
- What do I need to get health and dental insurance?
- What is the benefit of a guaranteed issue health and dental plan compared with other plans?
- What types of individual health and dental plans are there?
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.