How CoverageClock Calculates Your Coverage Risk Score · CoverageClock Guide

Direct answer: The CoverageClock Coverage Risk Score weights overdue deadlines roughly 1.5 times as heavily as deadlines due within 14 days, then expresses the result as a percentage of your total tracked deadlines, capped at 100.

Insurance timing problems compound. A missed 30-day special enrollment window doesn't just cost you a plan — it can leave you locked out of coverage until the next open enrollment period, sometimes many months away. That asymmetry is why the score treats "already overdue" as a bigger red flag than "coming up soon."

The three risk bands

0-32 (green): Everything on your checklist has enough runway. 33-65 (amber): At least one item needs attention in the next two weeks. 66-100 (red): You likely have an overdue item, and every day of delay narrows your options.

Why the score resets per life event

Each life event has its own bundle of deadlines — a new baby triggers different windows than a job loss does — so the score is only meaningful in the context of the single event you selected. Running the tool again for a second event on your household calendar (say, a spouse also turning 65 the same year) gives you a second, independent score.