What Is Medicare Open Enrollment?
Each year, Medicare Open Enrollment runs from October 15 through December 7. During this period, anyone with Medicare can review their current coverage and make changes for the upcoming year.
It’s your once-a-year opportunity to ensure your plan still fits your needs—especially if your health, prescriptions, or financial situation have changed. The decisions you make now will take effect January 1, 2026.
Why Open Enrollment Matters
Medicare plans can change each year, including premiums, deductibles, prescription coverage, and provider networks. Reviewing your options during Open Enrollment helps you:
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Avoid paying for unnecessary coverage
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Make sure your preferred doctors and prescriptions are still included
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Find a plan that better fits your healthcare and budget needs
Even if you’re happy with your current plan, it’s smart to review it annually to avoid surprises in the new year.
What Changes Can You Make During Medicare Open Enrollment?
Switch Between Original Medicare and Medicare Advantage
You can move from:
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Original Medicare (Parts A & B) to a Medicare Advantage plan (Part C)
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Medicare Advantage back to Original Medicare
Change Medicare Advantage Plans
If you’re already enrolled in a Medicare Advantage plan, you can switch to another plan that may offer better coverage, lower premiums, or different provider networks.
Review or Change Your Part D Prescription Drug Plan
Prescription drug coverage can vary widely from year to year. Reviewing your Part D plan ensures that your medications remain covered at the best cost.
Key Deadlines to Remember
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October 15: Medicare Open Enrollment begins
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December 7: Last day to make changes for 2026 coverage
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January 1, 2026: New coverage starts
Missing the December 7 deadline means you’ll likely need to wait until next year’s Open Enrollment period to make changes—unless you qualify for a Special Enrollment Period.
How to Prepare for Medicare Open Enrollment
Review Your Current Coverage
Look for any Annual Notice of Change (ANOC) or Evidence of Coverage (EOC) letters from your current provider. These outline changes to costs, coverage, or benefits for the upcoming year.
Compare New Plan Options
Use the Medicare Plan Finder tool or speak with a trusted Medicare advisor to compare plans side-by-side. Make sure to check:
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Monthly premiums
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Deductibles and copays
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Provider networks
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Prescription drug formularies
Check for New Benefits
Many Medicare Advantage plans now include additional benefits like vision, hearing, dental, and fitness programs. Reviewing these can help you find added value and savings.
Why Work with a Medicare Advisor
Navigating Medicare on your own can be overwhelming—especially with new rules and changes each year. A licensed Medicare advisor can help you:
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Understand your coverage options
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Compare costs and benefits across plans
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Avoid penalties and coverage gaps
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Find the plan that best fits your healthcare and financial goals
Don’t Wait Until the Last Minute
The December 7 Medicare Open Enrollment deadline will arrive faster than you think. Taking time now to review your plan can help you avoid costly surprises and ensure you’re set up for a healthy, worry-free year ahead.