That's up to the new employer. Federal law only requires special enrollment within 90 days of hire. So technically there can be up to a 3 month gap.
In practice, that is very rare. Usually new coverage becomes effective on the hire date.
Workers changing jobs often just elect for COBRA or selecting a temporary subsidized ACA plan to bridge the gap though. Nobody is really forced to go without coverage.
In practice, that is very rare. Usually new coverage becomes effective on the hire date.
Workers changing jobs often just elect for COBRA or selecting a temporary subsidized ACA plan to bridge the gap though. Nobody is really forced to go without coverage.