Which event could allow for a coverage start date other than the first of a month?

The situation that enables a coverage start date other than the first of a month typically involves qualifying life events, which can trigger special enrollment periods outside of the standard enrollment windows. In this context, both the birth of a dependent and the death of a subscriber represent significant life events that can initiate such changes in coverage.

When a child is born, it is common for health insurance to allow for the child to be added to the policy immediately, rather than waiting for the next monthly renewal date. Similarly, if a subscriber passes away, the surviving family members may need to make immediate adjustments to their coverage, which can include enrolling in a new plan to ensure continuity of care.

Both scenarios underline the importance that insurers place on flexibility in managing coverage in response to life changes, allowing for start dates that can be mid-month rather than being restricted to the traditional first of the month.

This combination of events justifies the correct answer, as both the birth of a dependent and the death of a subscriber typically allow for a mid-month start date.