The uncovered stretch
ExampleWorked example with sample numbers — nothing about you has been checked yet.
What actually moves a floater quote (we do not invent a premium)
Waiting periods on a new retail policy often do not cover the gap you have this month.
Pre-existing conditions and maternity are the usual exclusions on a fresh retail policy.
Age band of the oldest member on a family floater moves the quote more than city.
Metro vs non-metro changes network hospitals, not whether you have a gap.
Estimate, not tax or legal advice. FY 2026-27 rules. Your payroll’s exact structure will differ a little.