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Annual Enrollment Period (AEP)
The annual Medicare Enrollment Period runs from October 15, 2025 through December 7, 2025. During this time, anyone with Medicare can add, drop, or switch Medicare health plans and prescription drug coverage for the upcoming year (coverage effective January 1, 2026).
What Changes Can Be Made During AEP?
- Switch between Original Medicare and Medicare Advantage (Part C)
- Change from one Medicare Advantage plan to another
- Join or drop a Medicare Prescription Drug Plan (Part D)
- Switch Part D plans
Medicare Advantage Open Enrollment Period
The Medicare Advantage Open Enrollment Period spans from January 1, 2026 – March 31, 2026. This period is exclusive to people already enrolled in a Medicare Advantage plan, allowing them to switch to another MA plan or revert to Original Medicare. If they return to Original Medicare, they may also enroll in a Part D drug plan.
Special Enrollment Periods (SEPs)
Outside of the standard enrollment periods, you may sign up for or change plans if you qualify for a Special Enrollment Period, commonly triggered by events such as losing other coverage or moving to a new area.
Summary Table: Key 2026 Medicare Enrollment Dates
| Period | Dates | Who Can Enroll/Change | Changes Allowed |
|---|---|---|---|
| Annual Enrollment Period (for 2026 coverage) | Oct. 15–Dec. 7, 2025 | All Medicare beneficiaries | Switch/add/drop Medicare plans (MA, Part D, etc.) |
| Medicare Advantage Open Enrollment 2026 | Jan. 1–Mar. 31, 2026 | Those already in MA plans | Switch MA plans or return to Original Medicare |
| Special Enrollment Periods | Varies by circumstance | Those meeting SEP criteria | Depends on triggering event |
For the most accurate and up-to-date information, always check Medicare.gov or CMS.gov, as plan details and costs can change annually.
What Are Medicare Enrollment Period Triggering Events?
Understanding Medicare Enrollment Period triggering events can help you avoid gaps in your healthcare coverage. A triggering event is essentially a qualifying life event that allows you to enroll in, change, or leave a Medicare plan outside of the standard enrollment periods.
Here are some common triggering events:
1. Turning 65
When you first turn 65, you enter your Initial Medicare Enrollment Period, which starts three months before your birth month, includes your birthday month, and continues three months after — a total of 7 months. Missing this initial window could result in penalties or delayed coverage.
2. Losing Employer-Sponsored Health Coverage
If you’re over 65 and lose coverage from your employer or your spouse’s employer, this triggers a Special Enrollment Period (SEP). You typically have 8 months to enroll in Medicare Part B without facing late-enrollment penalties.
3. Moving to a New Area
Relocating to a different county or state can trigger an SEP because your existing Medicare Advantage (Part C) or Prescription Drug Plan (Part D) may not be available in your new location. This gives you the chance to enroll in a new plan tailored to your new area.
4. Medicaid Eligibility Changes
If you gain or lose Medicaid eligibility, you’ll qualify for an SEP. Changes in your financial situation that affect your Medicaid status also allow you to reconsider your Medicare coverage options.
5. Losing or Gaining Extra Help (Low-Income Subsidy)
Changes in eligibility for the Extra Help program—which helps pay prescription drug costs—trigger a Special Enrollment Period. Beneficiaries receiving this assistance can make plan adjustments to ensure optimal coverage.
6. Plan Termination or Reduction
If your Medicare Advantage or Part D plan stops providing coverage or significantly reduces benefits, this automatically triggers a Special Enrollment Period. You’ll have the opportunity to find another suitable plan.
7. Living in or Leaving an Institution
Entering or leaving a long-term care facility, such as a skilled nursing home or assisted living center, qualifies as a triggering event. Beneficiaries in these situations have extra flexibility to adjust their Medicare coverage.
Why Triggering Events Matter
Being aware of triggering events is crucial because missing one can limit your coverage options, cause gaps in your coverage, or even lead to penalties and higher premiums. If you’re unsure whether a life change qualifies as a triggering event, it’s a good idea to consult Medicare directly or speak with a licensed insurance broker.
Remember, Medicare plans and rules can change annually, so staying informed ensures you make the most of your coverage opportunities.