You know who you are...you're the jackass who only shows up to training Thursday night before a Home Match hoping to sneak onto the Side...
(I usually go out of my way to boot you during rucking drills, more so than I normally do for my teammates. ;) )
I have the same disdain for those who wait til the week of a match to ask for Health Insurance.
Some states offer 24h approval plans, but these plans generally suck. A Mini-Med or Accident Plan usually starts on the First of Fifteenth of the NEXT month. (Why? To avoid a jackass from buying it a day before wrestling with rabid lions in a small spiked cage.)
To get a good plan, you'll need 2-4 weeks. Budget, planning, acceptable risks, benefits and history are all factors in picking the best combo for you.
Don't be a prick...call/email sooner.