I'm confused about when I can change my Medicare plan. Can you clarify the different enrollment periods for me?

Question

Diana Garner · Accepted Answer

Medicare Advantage Plans (Part C) can be changed during the Annual Enrollment Period - October 15th to December 7th, or during the Open Enrollment Period - January 1st to March 31st. There are also some Special Election Periods that can be used, such as:
     * You change where you live
     * You lose your current coverage
     * You have a chance to get other coverage
     * Your plan changes its contract with Medicare
     * Other special situations

Medicare Supplement plans can be changed at any time throughout the year if you qualify medically. Some states even have guaranteed issue periods such as 60 days following your birthday, loss of creditable coverage through employer or another plan, or if the plan exits the market.

Prescription Drug Plans (Part D) can only be changed during the Annual Enrollment Period - October 15th to December 7th, unless there is a Special Election Period that would allow you to change.

Gary Church · Answer

When can I make a change to my Medicare plan? If you're on a Medicare Advantage plan or drug plan, you're able to make that change in your own Enrollment, which runs from October 15th to December 7th. For the next coming year, once we get into the new year, January through March 31st is what they refer to as open enrollment. That allows folks who signed up for a Medicare Advantage plan to make one change to another Medicare Advantage plan or to go back to original Medicare. I recommend sitting down with a licensed Medicare agent to review your options and understand what your choices are.

Norman Smith · Answer

Open enrollment is 10/15 - 12/7 each year. You also may have a Special Enrollment Period, if you just retired from work, moved, or have been dropped from your spouses’ coverage.

Lt Col Tim Brown · Answer

Yes. If you have a Medicare Supplement plan, you can apply to change plans anytime of the year you wish. If you have a Medicare Advantage Plan (MAPD), you can change those planes during the Annual Enrollment Period (AEP) that runs from Oct 15 to Dec 7 (Pearl Harbor Day). A change made during this time frame would take effect on Jan 1. There is also an Open Enrollment Period (OEP), where someone on a MAPD can make one change during that period. It runs from Jan 1 to March 31 each year. Whatever month during this period someone makes a change, the plan takes effect the 1st day of the next month i.e. make a change in Feb, new plan starts March 1.

Answered by Lt Col Tim Brown on May 10, 2025

Broker Licensed in TN, AL, CO & 10 other states

Answered by Lt Col Tim Brown Medicare Insurance Agent

William Lawler · Answer

Enrollment periods for Medicare Advantage to change plans:
Oct15-Dec. 7 AEP
Jan.1-Mar.31 OEP
SEP - Special Enrollment Period - eligible for an SEP if you moved, lost creditable coverage and others.
Medicare Medigap-Missouri:
You may change Medigap plans during your anniversary month or an SEP.

Bill Lawler

Larry Dalton · Answer

1.  A Medicare supplemental plan may be changed to another Medicare supplement plan at any time of the year. 
2.  A Medicare supplemental plan can be changed to a Medicare Advantage plan between October 15 and December 7. However, this change will not take effect until January 1 of the following year.
3.  Medicare Advantage plans can be changed to another Medicare Advantage plan once during open enrollment, which runs from January 1 to March 31. 
4.  Medicare Advantage plans can revert back to traditional Medicare with a supplement plan between January 1 and March 31. However, you may be without a drug plan for the remaining of the year.
5.  Medicare Part D stand long prescription drug plans can only be changed between October 15 to December 7 and do not take affect until the following year of January one. 
6.  There are other special enrollment periods allow for case by case situations.

Terri Reagin · Answer

Hi, great question! So, the different enrollment periods are during October 15th through December 7th. That is what's called AEP, or the Annual Election Period. During this time, you can pretty much do anything you want as far as an Advantage plan or a standalone drug card. You can also go back to Original Medicare from an Advantage plan. You can go to a supplement plan with the drug card, but underwriting may be required to go to a supplement plan. It just kind of depends on your situation.

And then between January 1st and March 31st is what's called OEP, which is the Open Enrollment Period. This is the time that you can just enroll from an Advantage plan and go to Original Medicare and pick up a drug card. Or you can switch from one Advantage plan to a different Advantage plan. But this is just a one-time change. This period was instituted for people that maybe got on the wrong plan during AEP and are unhappy and want to make a one-time switch. This is just a one-time switch, but you do have to have an Advantage plan already in place on January 1st to take advantage of that election period.

In addition to the two big ones that I mentioned, there are a 60-day special election period when you move out of county or when you leave your employer group plan. Those are two common ones, and there are some other ones too, like if you get kicked off of Medicaid or if you become eligible for Medicaid for the first time.

In addition, there are plans that are called chronic special needs plans for people with diabetes and heart conditions. And those have year-round election periods on them. So, it's always a great time to check with your local agent, and they'll be more than happy to guide you through all the different codes you can use to change your plan or enroll. I hope this helps!

Mark Maliwauki · Answer

If you are currently in a Medicare Advantage plan you can change it during AEP (annual enrollment period) or OEP (open enrollment period). 

AEP is Oct 15 - Dec 7 and goes effective on January 1st
OEP is Jan 1 - Mar 31 and the plan goes effective the 1st of the next month after you make the change. Change in January, your new plan is active Feb 1st.

If you move or have a change in your financial situation, get a divorce or lose your current plan, you would have a SEP (special enrollment period) and can change to a new plan within a 60 day window. 

If you have a Medigap or Supplement you can change it any time but it will go through medical underwriting unless you have a Guaranteed Issue right. If you don't pass medical underwriting for the new plan, the insurance company will deny you coverage and you will have to stay on your current plan. You cannot however change your Part D plan unless you have a life change that triggers a SEP or during AEP.

Pamela Masters · Answer

There are two main times when you can change your Medicare plan. The first is from October 15-December7. During this time you can enroll in multiple plans. The last plan you enroll in is the plan you will have on January first of the next year. 
The next enrollment period is call open enrollment and is from January 1st until March 31st. During this time you can switch your Medicare Advantage plan 1 time. You can choose another Medicare advantage plan or choose to return to original Medicare and get a stand alone drug plan (part D).
There are several ways outside of that enrollment period when you can change. A couple of these times are if you move outside of your plans service area, or if you start receiving Medicaid or lose Medicaid. These are call special enrollment periods.

Vincent Murray · Answer

IEP- 3 months before your 65th birthday the month of and 3 months after
Aep Oct 15th to Dec 7th.  You can change plans.
OEP Jan 1 to March 31st you can change plans if you are already on a Part C plan.
sep- you move to a new area or have a change in medicaid eligibility or other
Institutional sep- any time you are in an institutional care facilty
for supplements
6 monthsfrom the time you turn 65.

Steven Graves · Answer

1. Initial Enrollment Period (IEP)

When? 7-month window:
Starts 3 months before you turn 65
Includes your birth month
Ends 3 months after you turn 65

What can you do?

Sign up for Original Medicare (Part A & B)

Enroll in a Medicare Advantage plan (Part C)

Add a Part D drug plan

Purchase a Medigap (Supplement) plan (in most states, this is the best time—no health questions asked)

 2. Annual Enrollment Period (AEP)

October 15 – December 7 (every year)

What can you do?

Switch from Original Medicare to a Medicare Advantage plan

Switch from Medicare Advantage back to Original Medicare

Change from one Medicare Advantage plan to another

Change or join a Part D prescription drug plan

New plan starts: January 1 of the following year

 3. Medicare Advantage Open Enrollment Period (MA OEP)

January 1 – March 31

Only applies if you already have a Medicare Advantage plan

What can you do?

Switch to a different Medicare Advantage plan

Drop your Advantage plan and return to Original Medicare (and add a Part D plan if needed)

What you can’t do:

Enroll in a Medicare Advantage plan for the first time

Change Part D if you have Original Medicare


 4. Special Enrollment Periods (SEP)

These happen any time of year if you qualify due to certain life events:

You move out of your plan’s service area

You lose employer coverage

Your plan is discontinued

You qualify for Medicaid or Extra Help

You leave or join a long-term care facility

Each SEP has its own rules and timeline. Usually, you have 2–3 months to make changes after the qualifying event.


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Steven Lovell · Answer

Lets make sure we talk about both plans. 

MEDICARE ADVANTAGE:
You can typically change your Medicare plan during two main periods: the Annual Enrollment Period (AEP) from October 15 to December 7, and the Medicare Advantage Open Enrollment Period (MAOEP) from January 1 to March 31. The AEP allows for switching between traditional Medicare, Medicare Advantage, and Part D plans, with new coverage starting January 1. The MAOEP is specifically for those in Medicare Advantage, allowing them to switch to another Medicare Advantage plan or back to traditional Medicare. Other special election periods may be option. For you depending on your individual circumstances.  

MEDICARE SUPPLEMENT:
As far as a Medicare Supplement is concerned, you can change as often as you'd like as long as you can answer and pass the health questions.

Lauren Fodde · Answer

1. Annual Enrollment Period (AEP)

October 15 – December 7
This is the “big one” each year.
During AEP, you can:

Switch Medicare Advantage plans
Switch Prescription Drug Plans (Part D)
Move from Original Medicare + a supplement to Medicare Advantage
Move from Medicare Advantage back to Original Medicare

Changes take effect January 1.

2. Medicare Advantage Open Enrollment Period (MA OEP)

January 1 – March 31
Only for people already enrolled in a Medicare Advantage plan.
You can:

Switch to a different Medicare Advantage plan
Drop your MA plan and go back to Original Medicare + add a Part D plan
You cannot switch from one Part D drug plan to another during this time.

3. Initial Enrollment Period (IEP)

This is when you first turn 65.
It’s a 7-month window:

Starts 3 months before your 65th birthday month
Includes your birthday month
Ends 3 months after

You can enroll in:

Part A
Part B
Medicare Advantage
Part D

4. Special Enrollment Periods (SEPs)

These happen when life changes give you the right to switch your plan outside the regular windows.
Common SEPs include:

Losing employer coverage
Moving to a new county or state
Your plan reduces its service area
Becoming eligible for Medicaid or LIS
Your plan receives a 5-Star rating

Each SEP has its own rules and timing, but most give you 60 days to make a change.

Justin Doherty · Answer

The Annual Enrollment Period runs from Oct 15th - Dec 7th. During this time, you can change MA plans, enroll in MA plans, or disenroll from Medicare Advantage plans. You can also change, enroll in, or disenroll from Drug (Part D) plans.
The Medicare Advantage Open Enrollment Period runs from Jan 1st - Mar 31st. For anyone already enrolled in an MA plan, you may change to another MA plan or return to Original Medicare (and apply for a Medicare Supplement plan) and enroll in a Part D (drug) plan.
Special Enrollment plans are available throughout the year for various situations, such as moving, losing other coverage, enrolling in/disenrolling from/receiving Medicaid or other assistance programs.

Michael Denniston · Answer

There is IEP (initial enrollment period) when you turn 65 have part A Medicare and are enrolled in Part B. 3 months before your birth month and 3 months past your birth month, 7 months total. AEP annual enrollment period is when you can pick a new plan for the upcoming year. AEP is 10/15 to 12/07 each year. OEP (Open Enrollment Period) is January 1st to March 30th each year. Example of using OEP. Say during AEP you got in a plan that you find out does not work for you, OEP can be used to change plans again. SEP is (special enrollment period) this can be used when you move to a new zip code, county or state. There are many SEP's, change in income and LIS, you get Medicaid, you come off and employer plan. Many more too
 You should speak with a professional if and when you need to change plans or your needs change. Michaels Insurance Solutions LLC, contact me.

Brian Moore · Answer

Changing your Medicare plan depends on specific enrollment periods, and knowing them can save you headaches down the line. Your Initial Enrollment Period (IEP) spans seven months around your 65th birthday to join Parts A, B, D, or Medicare Advantage; miss it without other coverage, and penalties loom—10% per year for Part B and 1% per month for Part D, both lifelong. The Annual Enrollment Period (AEP), October 15 to December 7, lets you switch between Original Medicare, Advantage plans, or Part D options for the next year, while the Medicare Advantage Open Enrollment (January 1 to March 31) offers one tweak if you’re already in Advantage. Special Enrollment Periods (SEPs) kick in for life events like losing a job’s coverage, typically giving you two months to adjust penalty-free, and the General Enrollment Period (January 1 to March 31) is for late Part A or B sign-ups if you missed IEP. For Medigap, you get a six-month window starting when you’re 65 and on Part B to enroll without health-based denials—outside that, it’s possible but trickier—something I’ve watched folks overlook until it’s urgent over my years in this field.

Answered by Brian Moore on March 27, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Darlene Murphy · Answer

the Annual Enrollment period is from Oct 15-Dec7th, for calendar year plans. You may change with other exceptions, should you move, have a financial change, etc. You may also have a state with the Birthday rule. Situationally it could be a number of different times, depending on where you live.

Answered by Darlene Murphy on September 22, 2025

Broker Licensed in CA, AZ, ID & 7 other states

Answered by Darlene Murphy Medicare Insurance Agent

Sandra Teel · Answer

This depends on what type of Medicare plan that you have.  If you have a Medicare Advantage plan you have an annual enrollment period, each year from Oct 15-Dec 7 where you can make changes to your plan.  There are other special enrollment periods depending upon your circumstances, such as if you move or gain or lose Medicaid from the state.  

If you have a Medicare supplement, there is an annual enrollment period for your prescription drug plan, but not your supplement plan.  The annual enrollment for your prescription drug plan is the same Oct 15-Dec 7 each year.

Medicare supplement plans don't have an annual enrollment period.

Brian Cronin · Answer

Medicare has a few different enrollment periods, which is why it gets confusing. The most common one is the Annual Enrollment Period, from October 15 to December 7, when most people can change their Medicare Advantage or Part D drug plan for the following year. There’s also a Special Enrollment Period, which lets you make changes outside that window if you have certain life events, like moving, losing employer coverage, or qualifying for extra help. If you’re new to Medicare, you also have an Initial Enrollment Period when you first become eligible, usually around your 65th birthday. Each period has its own rules about what you can change, so the key is knowing which one applies to your situation before making a move.

Answered by Brian Cronin on February 18, 2026

Broker Licensed in NH & ME

Answered by Brian Cronin Medicare Insurance Agent

Dutch VanHoesen · Answer

The annual enrollment period is Oct 15-Dec 7th. The open enrollment period for those on existing Medicare Advantage plans is Jan 1-Mar 31st.

Mitchell Jerome · Answer

Depends on the circumstances. Medicare Supplements can be changed anytime of the year but you must "qualify" by properly answering the health questions. It's not a guarantee they will accept you. Medicare Advantage plans generally are accepting applications during the Annual Election Period Oct 15-Dec 7. Then from Jan 1-March 31 people with Advantage plans can make another change if necessary [MAOP]. Then there are Special Election periods [SEP] during the year for people with Chronic conditions, Dual eligibles (Medicare-Medicaid) and Institutional situations. Yes it is overwhelming to shift through all this; so get an agent to help you so as not to make the wrong choice.

Answered by Mitchell Jerome on August 26, 2025

Broker Licensed in TX

Answered by Mitchell Jerome Medicare Insurance Agent

Donna Berube · Answer

The Medicare Annual Enrollment Period (AEP), also known as the Annual Election Period or Fall Open Enrollment, runs from October 15 to December 7 annually

The Medicare Advantage Open Enrollment Period (MA OEP) runs from January 1 to March 31 annually

Roger Werking · Answer

Y

You can change plans during the Annual Enrollment Period =   October 15th -----Dec7th.

Or during the Open Enrollment Period =  Jan 1st  to the end of March.

Jamie Goble · Answer

Sure, There is AEP- that is Annual enrollment period. For all medicare beneficiaries. That is Oct 15th - Dec 7th.
Then there is OEP- is Jan 1st - March 31st. That is when you can move from one medicare advantage plan to another. 
Medicare sups are different rules from state to state.  But you do have guarantee issue when you  are new to medicare.

David Moscowitz · Answer

If you are 64 years old, you can apply for a plan on your 65th Birthday, however it is recommended to speak to  agent 3months before that time. The annual enrollment periods for 2025 is October 15th - December 7th.

Open enrollment period where you can switch plans once for the year, is January 1st - march 31st.

Angie Templin · Answer

Medicare Advantage plans AND Part D Prescriptions plans can be changed during Medicare Annual Enrollment Period October 15 - December 7.

Medicare Advantage members may  be eligible to change their plan during Medicare Open Enrollment Period January - March 31. Changes may be eligible other times of the year if they have a special situation such as change in residence, qualifing for a Chronic Special Needs Plan, or gain/loose financial assistance from approved federal/state programs.

Medicare Supplements (medigap) can be applied for any time of the year, but generally will require medical underwriting approval if you have  beed on Medicare longer than 6 months.

Holly Douglas · Answer

October 15- December 7 is annual enrollment, when you can make a change to your advantage plan, prescription drug plan or go back to original Medicare. Also if you move out of your service area you have a special enrollment period

Answered by Holly Douglas on October 4, 2025

Broker Licensed in TN & KY

Answered by Holly Douglas Medicare Insurance Agent

Greg Milliser · Answer

The answer to this depends on the Medicare plan you are wanting to change. If you are talking about your Medicare Supplement you are able to change that plan any time during the year, you simply need to fill out an application and go through the underwriting process. If you are asking about your Prescription Drug Plan or your Medicare Advantage plan you will either have an Special Election Period which you qualified for based on certain criteria or you will need to wait for the Annual Election Period which runs from October 15 - December 7th of every year. Existing Medicare Advantage plan members have an Election Period that is specific to them that begins January 1st and runs through March 31st where they can change their plans one last time before the next Annual Election Period begins in October.

Answered by Greg Milliser on May 6, 2025

Broker Licensed in MO, AR, IN, KS, OH & OK

Answered by Greg Milliser Medicare Insurance Agent

Brent Minter · Answer

Enrollment periods can be one of the most confusing aspects of Medicare.  Below is information on the most common enrollment periods: 

Initial Election Period - occurs three months before the month of your 65th birthday and continues for three months past the month of your 65th birthday, seven months in total.  During this time you can enroll in both Part A and/or B of Original Medicare.  You can also enroll in a Medicare Advantage (Part C) plan or a Part D prescription plan.

Annual Election Period - occurs each year starting on October 15 and continues through December 7.  During this time you may enroll in, change or cancel a Medicare Advantage or Part D prescription plan

Open Enrollment Period - occurs each year starting on January 1 and continues through March 31.  During this time you may make one change to your Medicare Advantage (Part C) coverage only.  

Special Election Periods - occur throughout the year and are usually tied to some change in circumstances such as moving, becoming eligible for financial assistance, being diagnosed with certain chronic conditions or losing creditable coverage such as employer-sponsored coverage.

Generally, Medicare enrollment periods do not apply to Medicare Supplements, also known as Medigap policies.  If you are interested in purchasing a Medicare Supplement, you do have an open enrollment period during the first 6 months that you are eligible for both Part A & B of Medicare.  During this time, you have the right to purchase any Medicare Supplement available to you based on where you live without having to answer health questions.

For more information on enrollment periods, it is always best to consult a local independent licensed insurance agent who can help guide you through the maze of enrollment periods.

Andrew Norton · Answer

It depends on the type of plan you have.

- If you are on a Medicare Advantage plan, you have two different periods to change. During the Annual Enrollment Period from October 15th- December 7th, or during the Medicare Advantage Open Enrollment Period from January 1st - March 31st. 

- If you Have a Medicare Supplement plan, you can change this anytime during the year, however it generally requires a health assessment and you may be declined based on this. Some states, however do allow for a once-per-year change without underwriting

- If you have a standalone prescription drug plan, you can change these during the annual enrollment period from Oct. 15-Dec. 7.

Steven Bleicher · Answer

One of the quirky things about Medicare is that you can change your Supplement all year round! Many people forget that. Thus, the different periods are mostly used for the Advantage and Part D(rug) plans with the latter being the most common change. This can be due to a new Rx being prescribed. This change becomes effective on January 1st of the next calendar year. Moreover, if you are changing your home residence to a totally new state, you have a Special Election Period (SEP) which allows you to switch your healthcare plan to anything that you want with no medical questions being asked of you! That is a guarantee!

Answered by Steven Bleicher on May 29, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Ron Cronwell · Answer

Annual Enrollment Period (AEP), October 15th  through December 7th each year a Medicare enrollee may sign up for a Medicare Advantage or a prescription drug plan. During the same period, a person with a Prescription drug plan or a Medicare Advantage plan may change plans or go back to original Medicare.

OEP, Open Enrollment Period, is January 1 through March 31 each year. An enrollee with a Medicare Advantage Plan may change plans or go back to Original Medicare.

Leslie Kaz · Answer

1. Initial Enrollment Period (IEP)
Who it's for: People turning 65 or newly eligible for Medicare.
When: Begins 3 months before, includes the month of your 65th birthday, and ends 3 months after (7 months total).
What you can do: Enroll in Part A, Part B, and/or a Part D drug plan or a Medicare Advantage (Part C) plan.

2. Annual Enrollment Period (AEP)
When: October 15 to December 7 every year.
What you can do:
Switch from Original Medicare to a Medicare Advantage plan or vice versa.
Change or enroll in a Part D prescription plan.
Switch from one Medicare Advantage or Part D plan to another.
Coverage begins: January 1 of the following year.

3. Medicare Advantage Open Enrollment Period (MA OEP)
When: January 1 to March 31
Who it's for: People already enrolled in a Medicare Advantage plan.
What you can do:
Switch to a different Medicare Advantage plan.
Drop your Advantage plan and return to Original Medicare (and optionally add Part D).

4. General Enrollment Period (GEP)
When: January 1 to March 31
Who it's for: Those who did not sign up for Part B during their Initial Enrollment.
What happens: Coverage starts July 1 and late penalties may apply.

5. Special Enrollment Periods (SEP)
When: Triggered by specific life events, such as:
Losing employer coverage
Moving to a new area
Qualifying for Medicaid or Extra Help
Other significant changes in your life or plan availability
What you can do: Make changes to your Medicare Advantage or Part D plans without waiting for AEP.

Chad Watkins · Answer

What are the Medicare enrollment periods? There are actually several of them. The first is the initial enrollment period, known as IEP. That starts three months prior to turning 65 and continues for the three months after you turn 65. Next is the annual enrollment period, known as AEP. This runs every year from October 15th through December 7th to get an effective date of January 1st. The open enrollment period, OEP, is the six months following your Part B effective date. Many times, people delay getting their Part B, so whenever you get that, six months after that will be the open enrollment period.

There's also a special enrollment period, known as SEP. There are many different reasons why you might be eligible for an SEP. The most common is if you're coming off your employer coverage or you have a Medicare Advantage plan that you move out of their service area. They don't make you wait till the end of the year. You can get enrolled right at that time.

The general enrollment period, known as GEP, is for people who have delayed getting their Medicare Part A or Part B and did not have credible coverage through an employer. Every year in January, February, and March, you can enroll at that time with an effective date of July 1st. Lastly, there's the Medicare Advantage open enrollment period, known as MA OEP. This runs in January, February, and March as well. The effective date will be the first of the month whenever you apply. This is specifically for people who already have a Medicare Advantage plan and want to switch to a different plan or go back to original Medicare. At that time, they could also get a standalone prescription drug plan.

Michael Yost · Answer

The big annual open enrollment is from October 15 - December 7th. This is called AEP (Annual Enrollment Period). Anyone can review, change or add plans during this time. For those on a Medicare advantage plan, there is another open enrollment period from January - March 31st. This is called OEP (Open Enrollment Period). Those on an advantage plan can switch back to Medicare or switch to a different advantage plan. Lastly, there are special enrollment periods (SEP) throughout the year. These SEPs allow someone to change their plan before open enrollment starts. For example, if someone moves to a different state, they are allowed to change their plan.

Answered by Michael Yost on June 3, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

Mary Salmon · Answer

The most common enrollment period is Annual Enrollment Period which runs from Oct 15-Dec 7 every year. This is when Medicare beneficiaries can review their Medicare Advantage plans and make changes for the upcoming calendar year. The second enrollment period is called Open Enrollment Period which runs Jan 1-Mar 31 every year and is when beneficiaries with a Medicare Advantage plan can switch to another Medicare Advantage plan or return to Original Medicare.

Answered by Mary Salmon on April 15, 2025

Broker Licensed in TX & OK

Answered by Mary Salmon Medicare Insurance Agent

Frank Woerner · Answer

If you have Medicare Advantage plan, or prescription drug plan, changes are allowed either during the Oct 15 thru Dec. 7th Annual Enrollment Period, or possibly other specific times of year depends on your situation. It's best to check with an independent Medicare insurance broker for your specifics. Otherwise a Medicare supplement plan you can apply for a new plan anytime.

Answered by Frank Woerner on December 15, 2025

Broker Licensed in IN & IL

Answered by Frank Woerner Medicare Insurance Agent

Mal Varlack · Answer

Annual enrollment is Oct 15 -Dec 7. If you are on a Medicare Advantage Plan then there is an Open Enrollment from Jan - Mar 31 where you can switch to another MA plan or go back to Original Medicare and pick up a Medigap and a Part D. Finally, there are Special Election PEriods, where during the year either your state or the Federal govt issue a Special Election due to weather related disasters, or other issues

Answered by Mal Varlack on August 17, 2025

Broker Licensed in FL, AZ, GA & 11 other states

Answered by Mal Varlack Medicare Insurance Agent

Cody Brown · Answer

The most common Medicare enrollment period is in the fall. The Annual Enrollment Period(AEP) is from October 15-December 7, where you can join or switch a Medicare Advantage or prescription drug plan. You can also make a change to your Medicare Advantage plan during the Open Enrollment Period(OEP) from January 1-March 31. There is no enrollment period for Medicare Supplement plans, so those can be changed any time of year.

Answered by Cody Brown on April 28, 2025

Agent Licensed in MO, AL, AR & 10 other states

Answered by Cody Brown Medicare Insurance Agent

Sandy Nelson-Tittsworth, CMIP · Answer

You can change your plan during annual enrollment from October 15 through December 7 and your new plan will start January 1.

There are special election periods, but only if you have a chronic illness or qualify for Medicaid or you are moving out of an institution such as a skilled nursing or hospital facility.

Heather Allen · Answer

If you have a medigap plan, in some states, you can change during your birthday. 
When you start Medicare when turning 65 there is a 7 month enrollment period, you get 3 months before your birthday, the month of your birthday, and 3 months after your birthday. 
Both Medicare advantage plans and prescription drug plans have their annual enrolment periods from Oct 15- Dec 7. 
If you did not switch your advantage plan during the annual enrollment period, then you can make a switch during open enrollment Jan 1 through March 31.

Julie Joyce · Answer

Annual Enrollment is Oct. 15th - Dec 7th is always a good time. If you have a Medicare Advantage plan you can also make a change from Jan. 1st - March 31st. There are also a good amount of Special Enrollments (life changing events)

Answered by Julie Joyce on March 25, 2025

Agent Licensed in PA, CT, DE & 9 other states

Answered by Julie Joyce Medicare Insurance Agent

Greg Giordano · Answer

You can change your Medicare plan during specific enrollment periods or if certain qualifying events occur. 
The two main periods are the Medicare Open Enrollment (Oct 15 - Dec 7), where anyone with Medicare can make changes and the Medicare Advantage Open Enrollment (Jan 1 - Mar 31), where those already in a Medicare Advantage plan can switch plans or return to Original Medicare.
There is also the Special Enrollment Periods (SEPs) exist for qualifying life changes like moving, losing coverage, or getting new coverage.

Diane Walker · Answer

Ok.  Annual Enrollment is October 15-December 7.  You can make changes and go from original Medicare and your supplement to a Medicare Advantage Plan or you can change your Medicare Advantage to another Medicare Advantage or you can drop your Medicare Advantage and go back to original Medicare.  Open Enrollment is January 1-March 31.  You can switch from a Medicare Advantage plan to another Medicare Advantage plan. 

If you have a supplemental plan along with your Medicare, you can switch those plans anytime during the year.

Craig Kirscht · Answer

You have a couple of times during the year that you can enroll. Every year you have the Annual Enrollment Period from October 15 - December 7th. During this time you can make as many changes as you want to your Medicare Advantage, Medigap Insurance, and Prescription Drug Plans. Any change that you make will be effective for January 1st of the next year. 

You will also have a Open Enrollment Period from January 1st until March 31st to make one change to a Medicare Advantage plan. There may be other opportunities through out the year but those are for special circumstances that may happen - moving or disanster declarations are good examples.

Patricia Stiffler · Answer

If you have either as Medicare Advantage plan or a Part D RX plan, the Annual Enrollment Period is from October 15 to December 7. You can change your plan at that time. If you have a Medicare Supplement plan (Plan F, G, N) and you live in California, they utilize the birthday rule. You can change to an equal or lesser plan during your birthday month, up to 60 days after.

Answered by Patricia Stiffler on October 27, 2025

Agent Licensed in CA

Answered by Patricia Stiffler Medicare Insurance Agent

Merlin Gomez · Answer

Hello! You can change your Medicare plan during the annual enrollment period which is every year from October 15-December 7. If you chose a plan during this time, there is also another chance to switch during the open enrollment period for Advantage plans January-March.

Answered by Merlin Gomez on October 23, 2025

Agent Licensed in NC & SC

Answered by Merlin Gomez Medicare Insurance Agent

Melodie Pogue · Answer

If you have a Supplement (Medigap) plan you may change anytime during the year subject to underwriting. 

If you have a Medicare Advantage plan the Open Enrollment Period runs from October 15 through December 7. 

This is also the time frame for changing drug plans

Vachik Chakhbazian · Answer

You can change your Medicare plan during specific enrollment periods or if certain qualifying events occur.

The two main periods are the Medicare Open Enrollment (Oct 15 - Dec 7), where anyone with Medicare can make changes and the Medicare Advantage Open Enrollment (Jan 1 - Mar 31), where those already in a Medicare Advantage plan can switch plans or return to Original Medicare.

There is also the Special Enrollment Periods (SEPs) exist for qualifying life changes like moving, losing coverage, or getting new coverage.

Mary Brown · Answer

Here are the enrollment periods:

1.	Initial Enrollment (IEP): 7 months around your 65th birthday to join Part A & B.
2.	Annual Election (AEP): Oct 15–Dec 7 to join, switch, or drop Advantage or Part D plans.
3.	Medicare Advantage Open Enrollment (MA OEP): Jan 1–Mar 31 to change Advantage plans or return to Original Medicare.
4.	Special Enrollment (SEP): For life events like moving or losing coverage.
5.	Medigap Open Enrollment: 6 months from Part B start to buy a supplement without medical underwriting.

Andrew Kramer · Answer

Sure, quite simple. The AEP (Annual Enrollment Period) is from Oct 15 to Dec 7. That's when those on Advantage plans and stand-alone Part D plans can change their plan, with an effective date of Jan 1st. Also those on Advantage plans can choose to go back to original Medicare, but may or may not qualify for a supplement depending on their health. They can also sign up for a Part D plan. But without having a supplement, they would be subject to paying 20% on original Medicare.
Then Jan 1 to Mar 31 is the OEP (Open Enrollment Period) when those on Advantage plans can change their plan, or again, go back to original Medicare. Those on original Medicare and stand-alone Part D plans cannot make a change during the OEP, they are locked in for the year.

Carol Thompson · Answer

There are specific times of the year for open enrollment. Unless you have a change in life and of which is a special enrollment period. Also- if there is a 5 stars rating plan available you can enroll throughout the year. Please consult with an agent they can better assist you.

Answered by Carol Thompson on June 13, 2025

Broker Licensed in FL, LA, MI & NC, SC, VA & WI

Answered by Carol Thompson Medicare Insurance Agent

Marcie Barnes · Answer

Annual Enrollment Period is 10/15 - 12/7.
Anyone can Enrollment or change plans during this time.

Open Enrollment Period is 1/1 - 3/31.  People who have a Medicare Advantage plan can change their plan once during this time.

The rest of the year requires a special enrollment period.  This is on a case by case basis.

Mike Henry · Answer

Regular Medicare supplement any time. You must qualify medically. Medicare advantage 10/15-12/07. Doesn’t take effect till 01/01 of following year. With an advantage plan medication are normally covered. Also make sure your Dr and hospital you use is available. Agent should know

Answered by Mike Henry on April 15, 2025

Agent Licensed in TX

Answered by Mike Henry Medicare Insurance Agent

Todd Bostic · Answer

Every year there is what is called an Annual Enrollment Period (AEP), and if you missed that, there is an Open Enrollment Period (OEP). There are other enrollment periods available if you move, or if you lose coverage, or other times, but those are the 2 main ones.

Answered by Todd Bostic on May 28, 2025

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Jack Mayer · Answer

SEP, a special election period is all year around for those who may be dual eligible, turning 65, those coming off an employee group health plan and when there is a disaster in your area such as fire or flooding and if a medical group leaves your health plan. The other enrollment periods are AEP, Annual Enrollment Period where you can change plans from Oct 15 through December 7th and then there is an open enrollment period for those who want to change again from Jan 1-March.

Answered by Jack Mayer on April 27, 2026

Agent Licensed in CA & NV

Answered by Jack Mayer Medicare Insurance Agent

Carol Conner · Answer

If you’re already on a Medicare advantage plan you can change or you can go back to a supplement or add a part D standalone prescription drug plan on original Medicare. You can only change once you can’t do it multiple times.

Answered by Carol Conner on December 21, 2025

Broker Licensed in TX

Answered by Carol Conner Medicare Insurance Agent

Michael Kim · Answer

Oct. 15th - Dec. 7Th. Only if you don't like your current plan. If you do like it, you don't have to do anything as it will automatically renew itself.

Michelle Ryan · Answer

Sure, there are 4 valid election periods: IEP, AEP, OEP and some SEPs. Initial Election period (IEP), this is when one first becomes eligible for Medicare. If they were on Medicare due to a disability BEFORE the age of 65 they will have one when they first became eligible and another when they turn 65. Annual Enrollment Period (AEP), this is the election period from October 15th - December 7th every year when Medicare beneficiaries can change their Medicare plan. There is an Open Enrollment Period (OEP) for Medicare Advantage enrollees only to make a one time change either to a similar plan with a different carrier or drop Medicare Advantage and go to Original Medicare with a Stand alone Prescription Drug Plan. And then there are Special Election Periods (SEPs) that, with certain life changes, will allow a beneficiary to change their plan during the year as long as they have had a qualifying life change.

Answered by Michelle Ryan on October 31, 2025

Broker Licensed in GA, AL, CO & FL, NC, SC & TN

Answered by Michelle Ryan Medicare Insurance Agent

David Christian · Answer

Hi this is a great question. Depends on which type of plan you have. 

Original Medicare + PDP (Rx) plan or a MAPD plan, the Annual Enrollment Period (AEP) starts October 1 each year.  You get a free look at all plans from October 1-14.  Then you may change your plan from October 15-December 7, with the new plan going into effect on January 1 of the new year.  If you choose multiple plans during this time, the last plan you choose will be the one that takes effect.

If you have a Medi-gap (Medicare Supplement plan) there is no specific open enrollment period.  You may apply for a new plan, but MAY have to go through underwriting for approval.  Some states offer a "birthday rule," allowing you to change Medigap plans during a specific period around your birthday without medical underwriting.  Other states have specific open enrollment periods that have nothing to do with the birthday rule.  Basically, it's a state-by-state scenario.

Sometimes there are Special Enrollment Periods such as FEMA declared disasters in specific areas (usually based on a county).  Also if you have low income subsidy and/or Medicaid.  These last two have tended to change a bit in recent years, but if you have either or both of them, you may be able to change your plan during the year.

John L Herman Jr · Answer

Without a doubt one of the most confusing parts of MEDICARE are all of the various enrollment period options. ANNUAL ENROLLMENT PERIOD, OPEN ENROLLMENT PERIOD, SPECIAL ENROLLMENT PERIODS (SEP'S), LIFE EVENT CGANGES, EMPLOYMENT CHANGES... all contribute to the confusion which is why always consulting with an Independent Broker is your best plan of action.

Answered by John L Herman Jr on March 31, 2025

Broker Licensed in MD, DE & PA

Answered by John L Herman Jr Medicare Insurance Agent

Abigail Turner · Answer

Your enrollment windows will vary based on the plan you're in. Here is a simple breakdown:

The annual enrollment period (AEP) is every year from October 15th through December 7th. This is when you can change you Medicare Part D (prescription only) and Medicare Part C (Medicare Advantage) plans. Any plan changes will take effect January 1st. 

There is also Open Enrollment which is January 1st - March 31st, where you can make a one-time change to your Medicare Part C plan or reenroll back into Original Medicare only. 

There can be special enrollment periods (SEP) as well and those will vary extensively. Situations like moving to a new city/state, losing Medicaid benefits, gaining Medicaid benefits, having a five-star rated plan in your area, having a qualifying chronic health condition, etc can open up SEPs. 

Your Medicare Supplements (also known as Medigap) plans can actually be reviewed year round; you can change those anytime with a couple of exceptions, depending on your state. Those plans have medical questions in most states so you have to qualify to switch so they don't make you wait until a certain time of year for a review. Some states allow for a guaranteed change once a year but most states do not. A licensed agent will know your options based on your state's rules.

Lori Marion` · Answer

Are you close to your 65th birthday? Recently get Medicare or qualify for extra help or medicaid or lose coverage? Recently moved or spent time in a skilled nursing facility? Or did you miss an election period due to a state or federal declared disaster?

Answered by Lori Marion` on December 15, 2025

Agent Licensed in MS, AL, AR & 17 other states

Answered by Lori Marion` Medicare Insurance Agent

Danielle Jimison · Answer

Initial Enrollment Period-7‑month window around your 65th birthday
(3 months before → birthday month → 3 months after)
• 	Enroll in Part A and/or Part B
• 	Join a Part D drug plan
• 	Choose a Medicare Advantage (MA) plan

Annual Enrollment Period-October 15 – December 7 every year
• 	Switch Medicare Advantage plans
• 	Move between Original Medicare ↔ Medicare Advantage
• 	Join, drop, or change Part D drug plans
Coverage starts: January 1

Medicare Advantage Open Enrollment Period-January 1 – March 31-(People already enrolled in a Medicare Advantage plan as of Jan 1st.)
• 	Switch to a different Medicare Advantage plan
• 	Drop MA and return to Original Medicare
• 	Add a Part D plan if returning to Original Medicare

Special Enrollment Periods- Varies — triggered by life events
• 	Moving out of your plan’s service area
• 	Losing employer or union coverage
• 	Gaining or losing Medicaid/Extra Help
• 	Plan termination or contract changes
• 	5‑Star plan availability (Dec 8 – Nov 30, once per year)

Tammam Tayara · Answer

Sure! The main time to change is the Annual Enrollment Period (AEP), October 15–December 7, when you can switch between Original Medicare, Medicare Advantage, or Part D plans. If you already have a Medicare Advantage plan, there’s also the Medicare Advantage Open Enrollment Period (MA OEP), January 1–March 31, when you can change or drop your Advantage plan once. Beyond these, certain Special Enrollment Periods (SEPs) let you change plans if you move, lose coverage, or experience other qualifying life events.

Samantha Jones · Answer

There is AEP which is annual enrollment. And then after annual enrollment. You have oep which is open enrollment. That is between January to March and only used. If you needed to change what you decided back during AEP and then the rest of the year are special enrollment periods

Glenn Soucek · Answer

I want to clarify the different enrollment periods for you. But without knowing which Medicare plan you are currently enrolled in I cannot answer your question properly. Do you have a Medicare supplement or Medicare Advantage plan?

Dodi Befferman · Answer

Medicare Open Enrollment: October 15 to December 7

 

General Enrollment Period (GEP): Runs annually from January 1 to March 31.


Special Enrollment Periods (SEP):  allow you to make changes to your Medicare coverage outside of the open enrollment periods due to specific qualifying life events.

Ricky Gonzalez · Answer

There are specific times during the year when you can change your Medicare coverage, with the most common being the Annual Enrollment Period from October 15 to December 7, when you can switch Medicare Advantage or Part D plans. 

There is also a Medicare Advantage Open Enrollment Period from January 1 to March 31, and Special Enrollment Periods that may apply if you have certain life events, such as moving or losing other coverage.

Comfort Olude · Answer

The Medicare Annual Enrollment Period is October 15 - December 7.
a) You can join, switch, or drop a Medicare Advantage Part C or Medicare Part D
     prescription drug plan.
b) You can switch from Original Medicare Part A & B to a Medicare Advantage plan, or vice versa.
c) You can switch from one Medicare Advantage plan to another.

The Medicare Advantage Open Enrollment Period is January 1 - March 31.
a) It is available to Medicare Advantage plan members only during the period.
b) You can switch to a different Medicare Advantage plan or return to Original Medicare Part A & B.
c) You can enroll in a stand-alone Part D prescription drug plan if returning to 
     Original Medicare.
d) Just one coverage change is allowed.

Tammy Monjaras · Answer

We are enter the annual enrollment period (AEP) October 15-December 7. Each Medicare eligible beneficiaries can apply to move plans that will start on January 1. This applies to Medicare Supplement plans, Medicare Advantage plans and Part D drug plans. 
OEP- Open Enrollment Period only applies to Medicare Advantage beneficiaries. OEP starts January 1-March31. 
SEP- Special Enrollment Period is for special circumstances for enrollment such as moving, losing group insurance coverage etc.

Nicolas Johnson · Answer

You can change your Medicare supplement plan at any time during the year, however, you will most likely need to go through an underwriting If you are not in an open enrollment or guaranteed issue. To switch your Medicare Advantage plan, you will need to do so during the annual election period.

Theresa Furth · Answer

Annual Enrollment Period (AEP)
- When: October 15 – December 7 every year.
- What you can do:
     - Switch from Original Medicare to a Medicare Advantage plan (or vice versa).
     - Change from one Medicare Advantage plan to another.
      - Add, drop, or switch a Part D prescription drug plan.

Sherita Joseph · Answer

Of course, I’d be happy to clarify that for you. 

• Annual Enrollment Period (Oct 15 – Dec 7):
This is when you can switch, drop, or join Medicare Advantage or Part D plans for the upcoming year.

• Medicare Advantage Open Enrollment (Jan 1 – Mar 31):
If you’re already in a Medicare Advantage plan, you can change to a different one or go back to Original Medicare.

• Special Enrollment Period (SEP):
You may qualify for a special period to change plans if you move, lose coverage, or experience certain life changes.

• Initial Enrollment Period (IEP):
This is your first chance to enroll 3 months before you turn 65, the month you turn 65, and 3 months after.

I hope this helps simplify things, but if you’d like to go over your personal situation, I’m more than happy to set up a follow-up call. Just let me know a day and time that works best for you, and I’ll take care of the rest.

Anthony Scott · Answer

I’m going to assume from your question that you currently have Medicare and that it’s a Medicare advantage plan so I’m only going to list the enrollment periods particular to your scenario.

1.) Annual Election Period (AEP) This runs from October 15 through December 7 each year. This is where you can switch your Medicare advantage plan or prescription drug plan and the changes will take affect on January 1 of the next year.

2.) Open enrollment period (OEP) This runs from January 1 through March 31. This is where you’re able to switch to a different Medicare advantage plan then what you had during the previous year or even from the one you just selected during the annual election period. You’re also able at this time to return to original Medicare with or without part D prescription drug plan. Whichever you choose to do, you can only make one change during this period.

3.) Special enrollment period (SEP) if you have a qualifying life event (moving out of a plan area, lose other coverage… among other specified, qualifying life events) you may be able to change plans.

Michele Wagoner · Answer

I can understand that!  It can be confusing!  Open enrollment period for the following years plans is Officially October 15th to December 7th.  There are also SPECIAL enrollment periods such as getting Medicare for the first time, if you have moved to a new zip code or state, and several others.  I hopes that helps to clarify a bit more understanding for you.

Lisa Schaad · Answer

When you’re first getting on Medicare, you have your Initial Enrollment Period—that’s your 7-month window around turning 65 to choose your coverage. After that, the times you can make changes are:

Annual Enrollment (Oct 15–Dec 7): This is when anyone on Medicare can join, drop, or switch plans for the next year.

Open Enrollment (Jan 1–Mar 31): This one’s only for people already in a Medicare Advantage plan, and it gives you one chance to switch to another Advantage plan or back to Original Medicare.

Special Enrollment Periods: These pop up if your life changes—like you move, lose coverage, or qualify for Extra Help.

So if you’re new, you’ll use your Initial Enrollment first—but once you’re settled in, these other windows are the ones to remember going forward.

Morgan Luck · Answer

The Medicare Annual Enrollment Period (AEP) and the Medicare Advantage Open Enrollment Period (OEP) are distinct periods for Medicare beneficiaries to make changes to their coverage, but they differ in scope and eligibility. AEP, from October 15 to December 7, allows all Medicare beneficiaries to make changes to their Medicare Advantage and Part D plans, including switching to a different plan or returning to Original Medicare. OEP, from January 1 to March 31, is specifically for individuals already enrolled in a Medicare Advantage plan, allowing them to switch to a different Medicare Advantage plan or return to Original Medicare.

Tatevik Melkonyan · Answer

Your first opportunity to choose or change Medicare coverage comes during your Initial Enrollment Period, which is the seven-month window that begins three months before the month you turn 65 and ends three months after. 

Every year, the Annual Enrollment Period runs from October 15 through December 7 and lets you switch from Original Medicare to a Medicare Advantage plan, change to a different Advantage plan, or return to Original Medicare. 

From January 1 to March 31, the Medicare Advantage Open Enrollment Period allows anyone already enrolled in an Advantage plan to switch to another Advantage plan or drop back to Original Medicare, though adding a Medigap policy during this time usually requires health underwriting. 

If you experience certain life change such as moving outside your plan’s service area, qualifying for Extra Help, or losing credible employer coverage, you can make changes anytime through a Special Enrollment Period.

Joshua Filmore · Answer

Think of Medicare like a year‑round calendar with a few key “change windows.” 

First comes your Initial Enrollment Period: a seven‑month stretch surrounding your 65th birthday when you first sign up for Parts A and B and pick drug or Advantage coverage. 

Once you’re enrolled, the main time to shop around is the Annual Election Period, October 15 – December 7, when you can switch from Original Medicare to an Advantage plan (or back), move between Advantage plans, or pick a new Part D drug plan—changes take effect January 1. 

If you start the year in a Medicare Advantage plan and get buyer’s remorse, you get one do‑over between January 1 and March 31 to pick a different Advantage plan or drop back to Original Medicare with a Part D plan. Missed signing up for Parts A or B altogether? You can do that during the General Enrollment Period (also Jan 1–Mar 31), though coverage waits until July 1 and late penalties may apply. 

Finally, life happens—moving, losing employer coverage, qualifying for Extra Help, or finding a 5‑Star plan can trigger a Special Enrollment Period anytime. It’s a lot of dates, I know, but that’s why I’m here: to keep track of the calendar and make sure you’re always in the plan that fits your health and your wallet.

Christine Itami · Answer

Your Initial Enrollment Period (IEP) is given when you are either first turning 65, 3 months prior to your birthday month, including your birthday month, and 3 months after your birthday month.  This is the time you should activate your Medicare, and acquire additional coverage that works alongside Medicare.  

Special Enrollment Periods (SEP) are given for various reasons:  coming off of group coverage after turning 65, States of Emergency, moving,  losing other Medicare coverage, losing Medicaid coverage, and many others. You usually have a shorter window of opportunity to make this type of change which varies depending upon the reason.  

Annual Enrollment Period (AEP) is from 10/15-12/7 each year where you can either change your Medicare Advantage Plan, return to regular Medicare, change your Part D drug plan, or go from Regular Medicare to an Advantage Plan.  

Open Enrollment Period (OEP) 1/1-3/31  - you can return to Regular Medicare from an Advantage Plan, and acquire a Medicare Supplement and Part D drug plan.  You can also switch Medicare Advantage plans at this time.  Only one change can be made during this period.