External Review Clock (Marketplace and Employer Plans)
External review filing deadline for group and individual health coverage.
Open the tool → Runs in your browser. Data leaves only if you deliberately send a problem report from the interactive tool.
Example
- Final internal denial received
- 2026-10-31
Result: 45 CFR 147.136(d)(2)(i): request external review within four months of receiving the final denial, so by March 1, 2027.
The tool opens with these values already filled in. Replace them with your own.
What you enter
- Final internal denial received (YYYY-MM-DD)
- Plan received the external review request (YYYY-MM-DD)
- Independent reviewer received the request (YYYY-MM-DD)
How this is calculated
Citation
45 CFR 147.136(d): request within four months of receiving the final internal denial (first day of the fifth month when there is no matching date; a weekend or federal holiday rolls forward); preliminary review in 5 business days; reviewer decision within 45 days, or 72 hours expedited. Read the source ↗
A reference and educational tool. Not medical, legal, or financial advice, and not a substitute for clinician judgment.