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Here are key deadlines for Medicare Advantage open enrollment:
- Oct. 15 to Dec. 7, 2025: You can switch from Medicare to Medicare Advantage or do the reverse and return to Original Medicare. You can also switch Medicare Advantage plans or change prescription drug plans, known as Part D. If you did not enroll in Part D plans when you were first eligible for Medicare, you can do so during this period.
- Jan. 1, 2026: Changes made during fall enrollment will take effect.
- Jan. 1 to Mar. 31, 2026: If you have a Medicare Advantage plan, you can change to a different plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time. Any changes you make will take effect on the first day of the month following the plan’s receipt of your request.
- Exceptions: You can make changes to your Medicare Advantage and Medicare prescription drug coverage anytime in 2026 if you have special circumstances, such as if you move, are no longer eligible for Medicaid, your plan goes out of business, or you lose coverage from your employer.
- 5-Star Special Enrollment: If a 5-star rated Medicare Advantage plan is available in your area, you can switch to it from Dec. 8, 2025, through Nov. 30, 2026. You can make this switch only once during this time period. Use the Medicare Plan Finder on medicare.gov to find plans with a 5-star rating in your area.
