Medicare Open Enrollment 2026 Date: Medicare’s Open Enrollment for 2026 starts this week on October 15, 2025. This is the one time each year when current beneficiaries can review their health and drug plans and make changes if needed. The enrollment period starts until December 7, 2025 and any changes you make will take effect on January 1, 2026.
Government Shutdown 2025 Impact: What Happens to Medicare, Medicaid, and Health Care Programs?
This time is very important because the coverage, costs, and networks of doctors can change every year. Whether you have Original Medicare a Medicare Advantage plan (Part C), or a Part D prescription drug plan, this is the main chance to switch plans or update your coverage unless you qualify for special exceptions. The Centers for Medicare & Medicaid Services (CMS) recommends comparing your current plan with other options.
What Beneficiaries can do During Open Enrollment?
Medicare Open Enrollment is different from the first sign-up period for new members. It is for people who already have Medicare and want to change their coverage. During this time, beneficiaries can:
- Switch from Original Medicare to a Medicare Advantage plan or vice versa.
- Join a Medicare Part D (prescription drug) plan.
- Switch from one Medicare Advantage plan to another.
- Change from one Part D drug plan to another.
- Drop Medicare Advantage and return to Original Medicare.
Plan comparisons are very important because plans can change every year. The Medicare Plan Finder tool on Medicare.gov helps you check plans using your ZIP code, prescriptions, and preferred doctors.
California Medicaid Changes Could Affect Millions of People
As the Royal Examiner recently said, “If you’re a Medicare beneficiary, you could save money and improve your coverage by reviewing your current plan and comparing it with others during open enrollment.” Experts warn that ignoring open enrollment could lead to higher costs or losing access to your preferred doctors or medicines.
Avoid Mistakes
A common mistake is assuming your current plan is still the best. Premiums, deductibles, drug coverage, and doctor networks can all change each year. Skipping the review can be costly.
“Even small changes in your prescription drug needs or your provider’s network can result in a plan no longer being the right fit,” said Jane Doe, a Medicare advisor based in Ohio. “We always recommend that beneficiaries at least check their plan annually.”
Lots of local groups can help you check your Medicare plan for free. State Health Insurance Assistance Programs (SHIPs) give advice that fits you. Some Medicare Advantage plans also give extra things like dental, vision, hearing, or wellness programs.
