O-A Visa application and insurance timing.

Gathering everything I need to apply for O-A

Los Angeles, California is consulate with jurisdiction.

Planning to travel in early December.

The website says I have 90 days to get stamped in to Thailand, so all my required documents are ready except insurance certificate.

If I was to apply early, does the health insurance need to be valid at the time of application, or can it have a December start date?(And December flights)

I like to have things ready well ahead of time, but do not want to waste application fees by submitting incorrect documents, or only be stamped in for 10 months because I applied early and burned through 2 months o insurance when I was not in Thailand yet.

Question for those who have bought travel insurance (AXA or something else) entering with Thailand Pass: If my flight is on Nov 24 (Toronto) and I will arrive on the morning of Nov 26 (Bangkok), when should my start date be for my insurance?

EDIT: No need to baggage/flight insurance

EDIT 2: Starting my insurance on 24 and 26 had no price difference

I am purchasing Thai health insurance to comply with O-A extension of stay. Question: what start date should I choose in that the EoS renewal date is November 3 but I am going to immigration on October 20 or so?