The 7-month window around your 65th birthday. This is your best time to sign up for Parts A, B, and D without penalties.
October 15 – December 7. The “Main Event.” Anyone can switch plans or change drug coverage for the coming year.
Medicare Advantage Open Enrollment, January 1 – March 31. A “do-over” window for those already in an Advantage plan who wish to switch plans or return to Original Medicare.
January 1 – March 31. A second chance for those who missed their initial sign-up, though late penalties often apply.
Life happens. You may be able to change your plan outside of the standard windows if you:
- Retire or lose employer coverage (you have an 8-month window).
- Move to a new zip code or service area.
- Qualify for “Extra Help” with prescription costs.
- Experience a plan error or a change in your plan's 5-star rating.