{"content_id":"vyto0kvzpr","slug":"medicare-2026-open-enrollment-plan-change-deadline","locale":"en","schema_type":"HowTo","category":"policy_guide","category_name":"Policy Guide","title":"Medicare 2026: How to Change Your Coverage","summary":"For current Medicare enrollees, the window to change 2027 coverage runs from October 15 to December 7, 2026. Check the options available based on your current coverage type, official enrollment procedures, and details about prescription drugs and healthcare providers.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"OnBinder Editorial Team","url":"https://onbinder.com/ko/about"},"key_points":["Check your current coverage type and the eligibility requirements for the plan you want to switch to.","Prepare your Medicare card, a list of your medications, and information about the healthcare facilities and pharmacies you use.","Compare the terms for 2027 using your Annual Notice of Change and Evidence of Coverage.","Apply by clicking Enroll for your chosen plan in the official Medicare Plan Finder.","Confirm that your application was received by December 7, 2026 (U.S.), and check your coverage start date."],"content_markdown":"Current Medicare enrollees can apply to change plans **by December 7, 2026**. Have your Medicare card and medication list ready. Apply through the official Plan Finder, and coverage starts on January 1, 2027.\n\nThis schedule is based on CMS's September 28, 2026 announcement and Medicare enrollment guidance.\n\n## How to Apply for a Change on the Official Website\n\nSelect a plan in Medicare Plan Finder, then complete the enrollment application. Viewing comparison results alone does not submit an application. If using the website is difficult, you can get enrollment help by phone.\n\n1. Check your current coverage. Determine whether you have Original Medicare or Medicare Advantage. Also check whether prescription drug coverage is included.\n2. Prepare the information needed to apply and compare plans. You will need the Medicare number on your card. Also check the Part A and Part B coverage start dates shown on the card.\n3. Enter your residential ZIP code in Plan Finder. Make sure the coverage year you are comparing is 2027. Compare costs based on your medications and the pharmacies you use.\n4. Click Enroll, the enrollment button for your chosen plan. Follow the instructions to submit your application. If you have employer or union insurance, first check the family coverage section below.\n5. Save the application confirmation screen or confirmation number. If you are unsure whether your application was received, contact the plan or Medicare. Also check the coverage start date in your enrollment confirmation.\n\nThe official starting point is Find health \u0026 drug plans on Medicare.gov. The phone number is 1-800-MEDICARE, or 1-800-633-4227. The TTY number for people with hearing or speech disabilities is 1-877-486-2048.\n\nYou can find application instructions in [Medicare's Joining a plan guidance](https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan).\n\n## Who Can Make Changes and What to Prepare\n\nThis annual enrollment period is for current Medicare enrollees to choose their coverage. It is separate from ACA Marketplace insurance enrollment. It is also distinct from the initial enrollment periods for Part A and Part B themselves.\n\nOriginal Medicare consists of Part A and Part B. Medicare Advantage provides coverage through private plans. Part D is prescription drug coverage.\n\n| Coverage you want to choose | Basic requirements to check |\n|---|---|\n| Medicare Advantage | Enrollment in both Part A and Part B, residence in the plan's service area |\n| Stand-alone Part D plan | Enrollment in Part A or Part B, residence in the plan's service area |\n| Plans for specific groups | Check any additional eligibility requirements set by the plan |\n\nThe table summarizes basic coverage requirements. Individual enrollment requirements, such as citizenship and residency status, also apply. If your eligibility is unclear, check with Medicare or Social Security.\n\n| Information to prepare | Where it is used |\n|---|---|\n| Medicare number and coverage start dates | Enrollment application |\n| Residential ZIP code | Searching for local plans available to you |\n| Current plan name and enrollment information | Comparing existing and new coverage |\n| Medication names, strengths, and quantities used | Checking prescription drug coverage and estimated costs |\n| Doctors, hospitals, and pharmacies you use | Checking networks and conditions for use |\n| Notice of changes for the following year and coverage document | Reviewing 2027 coverage |\n\n## Available Changes Based on Your Current Coverage\n\nWhat you can change depends on your current coverage. During the annual enrollment period, you can switch how you receive coverage. You can also choose to change only your prescription drug plan.\n\n| Current coverage | Options during the 2026 annual enrollment period | What else to check |\n|---|---|---|\n| Original Medicare | Switch to Medicare Advantage | Part A and Part B enrollment status and provider network |\n| Original Medicare with a stand-alone Part D plan | Change or drop Part D | Next year's drug coverage and any coverage gaps |\n| Original Medicare without a stand-alone Part D plan | Enroll in Part D | Possible overlap with or loss of other existing prescription drug insurance |\n| Medicare Advantage | Switch to another Advantage plan | Whether prescription drugs are included and the provider and pharmacy networks |\n| Medicare Advantage | Return to Original Medicare | Whether a stand-alone Part D plan is needed and whether you can enroll in Medigap |\n\nWhen changing drug coverage under Advantage, check the plan's rules for combining coverage. Do not assume you can freely add a stand-alone Part D plan to your existing Advantage plan. Before applying, ask whether your chosen coverage combination is allowed.\n\nThe available changes are listed in [Medicare's Open Enrollment guidance](https://www.medicare.gov/health-drug-plans/open-enrollment).\n\n## Application Deadline and Coverage Start Date\n\nThe 2026 annual enrollment period runs from October 15 through December 7. Changes made during this period take effect **on January 1, 2027**. Because you are applying in fall 2026, be careful not to confuse the coverage year.\n\nMedicare's Open Enrollment guidance includes the following statement.\n\n\u003e the plan must get your enrollment request by December 7\n\nThis means the plan must receive your enrollment request by December 7. Mailed applications must also arrive by the deadline. Mailing an application or scheduling a consultation alone does not mean your request has been received.\n\n| Item | Date that applies to this enrollment period |\n|---|---|\n| Annual enrollment begins | October 15, 2026 |\n| Deadline for receipt of enrollment requests | December 7, 2026 |\n| Changed coverage begins | January 1, 2027 |\n\nThe deadline follows the U.S. Medicare enrollment schedule. Do not judge when to submit based only on the date in Korea. Check the deadline-day submission hours with the channel you are using.\n\nThe schedule for this year is stated in [CMS's September 28, 2026 announcement](https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027).\n\n## Comparing the Notice of Changes and Coverage Document\n\nReview the annual notice of changes and the coverage document together. Even if the premium stays the same, drug coverage or participating providers may change. Compare the terms for 2027, not the current terms.\n\nAnnual Notice of Change is the yearly notice of changes. Its abbreviation is ANOC, and it describes what will change the following year. Evidence of Coverage is the document explaining your coverage. Its abbreviation is EOC, and it explains detailed terms, including coverage and costs.\n\n| Item to check | What to check | Documents or contacts to use |\n|---|---|---|\n| Premium | Next year's monthly premium | ANOC, EOC, Plan Finder |\n| Out-of-pocket costs | Deductibles you pay first and cost sharing for medical services and drugs | EOC, plan cost information |\n| Prescription drugs | Whether your medications are covered and their cost tiers | The drug list, called a formulary, and EOC |\n| Conditions for drug coverage | Applicable conditions, such as prior authorization | Plan drug coverage information |\n| Doctors and hospitals | Whether they are in next year's network | Plan provider directory, the plan, and providers |\n| Pharmacies | Network participation and costs at each pharmacy | Pharmacy directory, Plan Finder |\n| Plan continuation | Whether your current plan will be offered next year | Plan notices |\n\nYou usually receive the ANOC in September. If you have not received it, request it from your current plan. Also check the separate directories for complete lists of providers and pharmacies.\n\nIf your current plan will be offered next year, you generally do not need to enroll again. However, the changed terms must still meet your ongoing needs. If you receive a notice that your plan is ending, do not assume it will continue.\n\nThese review principles are explained in [CMS's Medicare Open Enrollment guidance](https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources).\n\n## Returning to Original Medicare and Medigap Requirements\n\nWhen returning to Original Medicare, check drug coverage and supplemental insurance separately. You may need to enroll in a stand-alone Part D plan. Medigap is private insurance that helps cover out-of-pocket costs under Original Medicare.\n\nThe fall annual enrollment period does not automatically guarantee Medigap enrollment. Under federal rules, the initial Medigap enrollment period lasts 6 months. It begins on the first day of the month in which you are at least 65 years old and enrolled in Part B.\n\nAfter that period, your enrollment options may be limited. Premiums may also be higher. Check whether you have guaranteed issue rights or additional protections under state rules.\n\n| Item to check | What to check before switching |\n|---|---|\n| Stand-alone Part D | Coverage for needed medications and enrollment start date |\n| Medigap | Whether you can enroll, applicable rights, and premiums |\n| State protections | Confirm with the state insurance department or through SHIP counseling |\n\nAlso watch for periods without drug coverage. You may have a gap of at least 63 consecutive days without other creditable drug coverage. In that case, you may face a late enrollment penalty when you enroll in Part D later.\n\nCheck your individual enrollment options in [Medicare's guidance on when to buy Medigap](https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/when).\n\n## Checking Employer Insurance and Family Coverage\n\nIf you have employer or union insurance, check with your benefits administrator before applying for Part D. Medicare warns that enrolling could cause you to lose all of your existing health insurance. Coverage for your spouse and dependents, as well as your own, may be affected.\n\nAsk whether your current prescription drug insurance is creditable coverage. This means prescription drug coverage that meets Medicare's standards. If you keep that coverage, you generally do not need to add Part D.\n\n1. Ask your employer or union benefits administrator whether your existing coverage is creditable.\n2. Check how enrolling in Part D would affect your family's medical and drug coverage.\n3. Keep proof that you had previous drug coverage.\n4. If your new plan sends you a form to confirm past coverage, respond by the deadline.\n\nMedicare warns that failing to return the form could result in a penalty. Check mail that arrives after enrollment as well. The relevant rules are listed in [Medicare's guidance on creditable prescription drug coverage](https://www.medicare.gov/health-drug-plans/part-d/basics/creditable-coverage).\n\n## Changes Available If You Miss the Deadline\n\nAfter December 7, you must check the requirements for other enrollment periods. January through March is not an additional change period open to all enrollees. Moving or losing other coverage may qualify you for special enrollment.\n\n| Period | Who qualifies and what changes are allowed | When changes take effect |\n|---|---|---|\n| October 15 through December 7, 2026 | Advantage and Part D choices and switches between coverage types for those eligible for annual enrollment | January 1, 2027 |\n| January 1 through March 31, 2027 | Current Advantage enrollees may switch to another Advantage plan or return to Original Medicare | The first day of the month after the plan receives the request |\n| Special Enrollment Period | Enrollees with a qualifying reason, such as moving or losing coverage | Varies by reason |\n\nAdvantage changes from January through March are allowed once during that period. If you return to Original Medicare, you can also enroll in Part D. This period cannot be used to switch from Original Medicare to Advantage.\n\nIt also cannot be used by Original Medicare enrollees to change only their Part D plan. During a Special Enrollment Period, the available changes and deadlines vary by reason. If you receive a notice that your plan is ending, also check the separate rights described in the notice.\n\nThe restrictions for each period are summarized in [Medicare's enrollment periods guide](https://www.medicare.gov/publications/11219-Understanding-Medicare-Advantage-Medicare-Drug-Plan-Enrollment-Periods.pdf).","content_html":"\u003cp\u003eCurrent Medicare enrollees can apply to change plans \u003cstrong\u003eby December 7, 2026\u003c/strong\u003e. Have your Medicare card and medication list ready. Apply through the official Plan Finder, and coverage starts on January 1, 2027.\u003c/p\u003e\n\u003cp\u003eThis schedule is based on CMS's September 28, 2026 announcement and Medicare enrollment guidance.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-to-apply-for-a-change-on-the-official-website\" class=\"anchor\" id=\"how-to-apply-for-a-change-on-the-official-website\"\u003e\u003c/a\u003eHow to Apply for a Change on the Official Website\u003c/h2\u003e\n\u003cp\u003eSelect a plan in Medicare Plan Finder, then complete the enrollment application. Viewing comparison results alone does not submit an application. If using the website is difficult, you can get enrollment help by phone.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck your current coverage. Determine whether you have Original Medicare or Medicare Advantage. Also check whether prescription drug coverage is included.\u003c/li\u003e\n\u003cli\u003ePrepare the information needed to apply and compare plans. You will need the Medicare number on your card. Also check the Part A and Part B coverage start dates shown on the card.\u003c/li\u003e\n\u003cli\u003eEnter your residential ZIP code in Plan Finder. Make sure the coverage year you are comparing is 2027. Compare costs based on your medications and the pharmacies you use.\u003c/li\u003e\n\u003cli\u003eClick Enroll, the enrollment button for your chosen plan. Follow the instructions to submit your application. If you have employer or union insurance, first check the family coverage section below.\u003c/li\u003e\n\u003cli\u003eSave the application confirmation screen or confirmation number. If you are unsure whether your application was received, contact the plan or Medicare. Also check the coverage start date in your enrollment confirmation.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThe official starting point is Find health \u0026amp; drug plans on Medicare.gov. The phone number is 1-800-MEDICARE, or 1-800-633-4227. The TTY number for people with hearing or speech disabilities is 1-877-486-2048.\u003c/p\u003e\n\u003cp\u003eYou can find application instructions in \u003ca href=\"https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan\"\u003eMedicare's Joining a plan guidance\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#who-can-make-changes-and-what-to-prepare\" class=\"anchor\" id=\"who-can-make-changes-and-what-to-prepare\"\u003e\u003c/a\u003eWho Can Make Changes and What to Prepare\u003c/h2\u003e\n\u003cp\u003eThis annual enrollment period is for current Medicare enrollees to choose their coverage. It is separate from ACA Marketplace insurance enrollment. It is also distinct from the initial enrollment periods for Part A and Part B themselves.\u003c/p\u003e\n\u003cp\u003eOriginal Medicare consists of Part A and Part B. Medicare Advantage provides coverage through private plans. Part D is prescription drug coverage.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCoverage you want to choose\u003c/th\u003e\n\u003cth\u003eBasic requirements to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Coverage you want to choose\"\u003eMedicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"Basic requirements to check\"\u003eEnrollment in both Part A and Part B, residence in the plan's service area\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Coverage you want to choose\"\u003eStand-alone Part D plan\u003c/td\u003e\n\u003ctd data-label=\"Basic requirements to check\"\u003eEnrollment in Part A or Part B, residence in the plan's service area\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Coverage you want to choose\"\u003ePlans for specific groups\u003c/td\u003e\n\u003ctd data-label=\"Basic requirements to check\"\u003eCheck any additional eligibility requirements set by the plan\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe table summarizes basic coverage requirements. Individual enrollment requirements, such as citizenship and residency status, also apply. If your eligibility is unclear, check with Medicare or Social Security.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eInformation to prepare\u003c/th\u003e\n\u003cth\u003eWhere it is used\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Information to prepare\"\u003eMedicare number and coverage start dates\u003c/td\u003e\n\u003ctd data-label=\"Where it is used\"\u003eEnrollment application\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Information to prepare\"\u003eResidential ZIP code\u003c/td\u003e\n\u003ctd data-label=\"Where it is used\"\u003eSearching for local plans available to you\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Information to prepare\"\u003eCurrent plan name and enrollment information\u003c/td\u003e\n\u003ctd data-label=\"Where it is used\"\u003eComparing existing and new coverage\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Information to prepare\"\u003eMedication names, strengths, and quantities used\u003c/td\u003e\n\u003ctd data-label=\"Where it is used\"\u003eChecking prescription drug coverage and estimated costs\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Information to prepare\"\u003eDoctors, hospitals, and pharmacies you use\u003c/td\u003e\n\u003ctd data-label=\"Where it is used\"\u003eChecking networks and conditions for use\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Information to prepare\"\u003eNotice of changes for the following year and coverage document\u003c/td\u003e\n\u003ctd data-label=\"Where it is used\"\u003eReviewing 2027 coverage\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\n\u003ca href=\"#available-changes-based-on-your-current-coverage\" class=\"anchor\" id=\"available-changes-based-on-your-current-coverage\"\u003e\u003c/a\u003eAvailable Changes Based on Your Current Coverage\u003c/h2\u003e\n\u003cp\u003eWhat you can change depends on your current coverage. During the annual enrollment period, you can switch how you receive coverage. You can also choose to change only your prescription drug plan.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCurrent coverage\u003c/th\u003e\n\u003cth\u003eOptions during the 2026 annual enrollment period\u003c/th\u003e\n\u003cth\u003eWhat else to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare\u003c/td\u003e\n\u003ctd data-label=\"Options during the 2026 annual enrollment period\"\u003eSwitch to Medicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003ePart A and Part B enrollment status and provider network\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare with a stand-alone Part D plan\u003c/td\u003e\n\u003ctd data-label=\"Options during the 2026 annual enrollment period\"\u003eChange or drop Part D\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eNext year's drug coverage and any coverage gaps\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare without a stand-alone Part D plan\u003c/td\u003e\n\u003ctd data-label=\"Options during the 2026 annual enrollment period\"\u003eEnroll in Part D\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003ePossible overlap with or loss of other existing prescription drug insurance\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eMedicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"Options during the 2026 annual enrollment period\"\u003eSwitch to another Advantage plan\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eWhether prescription drugs are included and the provider and pharmacy networks\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eMedicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"Options during the 2026 annual enrollment period\"\u003eReturn to Original Medicare\u003c/td\u003e\n\u003ctd data-label=\"What else to check\"\u003eWhether a stand-alone Part D plan is needed and whether you can enroll in Medigap\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eWhen changing drug coverage under Advantage, check the plan's rules for combining coverage. Do not assume you can freely add a stand-alone Part D plan to your existing Advantage plan. Before applying, ask whether your chosen coverage combination is allowed.\u003c/p\u003e\n\u003cp\u003eThe available changes are listed in \u003ca href=\"https://www.medicare.gov/health-drug-plans/open-enrollment\"\u003eMedicare's Open Enrollment guidance\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#application-deadline-and-coverage-start-date\" class=\"anchor\" id=\"application-deadline-and-coverage-start-date\"\u003e\u003c/a\u003eApplication Deadline and Coverage Start Date\u003c/h2\u003e\n\u003cp\u003eThe 2026 annual enrollment period runs from October 15 through December 7. Changes made during this period take effect \u003cstrong\u003eon January 1, 2027\u003c/strong\u003e. Because you are applying in fall 2026, be careful not to confuse the coverage year.\u003c/p\u003e\n\u003cp\u003eMedicare's Open Enrollment guidance includes the following statement.\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003ethe plan must get your enrollment request by December 7\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eThis means the plan must receive your enrollment request by December 7. Mailed applications must also arrive by the deadline. Mailing an application or scheduling a consultation alone does not mean your request has been received.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c/th\u003e\n\u003cth\u003eDate that applies to this enrollment period\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eAnnual enrollment begins\u003c/td\u003e\n\u003ctd data-label=\"Date that applies to this enrollment period\"\u003eOctober 15, 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eDeadline for receipt of enrollment requests\u003c/td\u003e\n\u003ctd data-label=\"Date that applies to this enrollment period\"\u003eDecember 7, 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eChanged coverage begins\u003c/td\u003e\n\u003ctd data-label=\"Date that applies to this enrollment period\"\u003eJanuary 1, 2027\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe deadline follows the U.S. Medicare enrollment schedule. Do not judge when to submit based only on the date in Korea. Check the deadline-day submission hours with the channel you are using.\u003c/p\u003e\n\u003cp\u003eThe schedule for this year is stated in \u003ca href=\"https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027\"\u003eCMS's September 28, 2026 announcement\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-the-notice-of-changes-and-coverage-document\" class=\"anchor\" id=\"comparing-the-notice-of-changes-and-coverage-document\"\u003e\u003c/a\u003eComparing the Notice of Changes and Coverage Document\u003c/h2\u003e\n\u003cp\u003eReview the annual notice of changes and the coverage document together. Even if the premium stays the same, drug coverage or participating providers may change. Compare the terms for 2027, not the current terms.\u003c/p\u003e\n\u003cp\u003eAnnual Notice of Change is the yearly notice of changes. Its abbreviation is ANOC, and it describes what will change the following year. Evidence of Coverage is the document explaining your coverage. Its abbreviation is EOC, and it explains detailed terms, including coverage and costs.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem to check\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003cth\u003eDocuments or contacts to use\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003ePremium\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eNext year's monthly premium\u003c/td\u003e\n\u003ctd data-label=\"Documents or contacts to use\"\u003eANOC, EOC, Plan Finder\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eOut-of-pocket costs\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eDeductibles you pay first and cost sharing for medical services and drugs\u003c/td\u003e\n\u003ctd data-label=\"Documents or contacts to use\"\u003eEOC, plan cost information\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003ePrescription drugs\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether your medications are covered and their cost tiers\u003c/td\u003e\n\u003ctd data-label=\"Documents or contacts to use\"\u003eThe drug list, called a formulary, and EOC\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eConditions for drug coverage\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eApplicable conditions, such as prior authorization\u003c/td\u003e\n\u003ctd data-label=\"Documents or contacts to use\"\u003ePlan drug coverage information\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eDoctors and hospitals\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether they are in next year's network\u003c/td\u003e\n\u003ctd data-label=\"Documents or contacts to use\"\u003ePlan provider directory, the plan, and providers\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003ePharmacies\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eNetwork participation and costs at each pharmacy\u003c/td\u003e\n\u003ctd data-label=\"Documents or contacts to use\"\u003ePharmacy directory, Plan Finder\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003ePlan continuation\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether your current plan will be offered next year\u003c/td\u003e\n\u003ctd data-label=\"Documents or contacts to use\"\u003ePlan notices\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eYou usually receive the ANOC in September. If you have not received it, request it from your current plan. Also check the separate directories for complete lists of providers and pharmacies.\u003c/p\u003e\n\u003cp\u003eIf your current plan will be offered next year, you generally do not need to enroll again. However, the changed terms must still meet your ongoing needs. If you receive a notice that your plan is ending, do not assume it will continue.\u003c/p\u003e\n\u003cp\u003eThese review principles are explained in \u003ca href=\"https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources\"\u003eCMS's Medicare Open Enrollment guidance\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#returning-to-original-medicare-and-medigap-requirements\" class=\"anchor\" id=\"returning-to-original-medicare-and-medigap-requirements\"\u003e\u003c/a\u003eReturning to Original Medicare and Medigap Requirements\u003c/h2\u003e\n\u003cp\u003eWhen returning to Original Medicare, check drug coverage and supplemental insurance separately. You may need to enroll in a stand-alone Part D plan. Medigap is private insurance that helps cover out-of-pocket costs under Original Medicare.\u003c/p\u003e\n\u003cp\u003eThe fall annual enrollment period does not automatically guarantee Medigap enrollment. Under federal rules, the initial Medigap enrollment period lasts 6 months. It begins on the first day of the month in which you are at least 65 years old and enrolled in Part B.\u003c/p\u003e\n\u003cp\u003eAfter that period, your enrollment options may be limited. Premiums may also be higher. Check whether you have guaranteed issue rights or additional protections under state rules.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem to check\u003c/th\u003e\n\u003cth\u003eWhat to check before switching\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eStand-alone Part D\u003c/td\u003e\n\u003ctd data-label=\"What to check before switching\"\u003eCoverage for needed medications and enrollment start date\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eMedigap\u003c/td\u003e\n\u003ctd data-label=\"What to check before switching\"\u003eWhether you can enroll, applicable rights, and premiums\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eState protections\u003c/td\u003e\n\u003ctd data-label=\"What to check before switching\"\u003eConfirm with the state insurance department or through SHIP counseling\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eAlso watch for periods without drug coverage. You may have a gap of at least 63 consecutive days without other creditable drug coverage. In that case, you may face a late enrollment penalty when you enroll in Part D later.\u003c/p\u003e\n\u003cp\u003eCheck your individual enrollment options in \u003ca href=\"https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/when\"\u003eMedicare's guidance on when to buy Medigap\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#checking-employer-insurance-and-family-coverage\" class=\"anchor\" id=\"checking-employer-insurance-and-family-coverage\"\u003e\u003c/a\u003eChecking Employer Insurance and Family Coverage\u003c/h2\u003e\n\u003cp\u003eIf you have employer or union insurance, check with your benefits administrator before applying for Part D. Medicare warns that enrolling could cause you to lose all of your existing health insurance. Coverage for your spouse and dependents, as well as your own, may be affected.\u003c/p\u003e\n\u003cp\u003eAsk whether your current prescription drug insurance is creditable coverage. This means prescription drug coverage that meets Medicare's standards. If you keep that coverage, you generally do not need to add Part D.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eAsk your employer or union benefits administrator whether your existing coverage is creditable.\u003c/li\u003e\n\u003cli\u003eCheck how enrolling in Part D would affect your family's medical and drug coverage.\u003c/li\u003e\n\u003cli\u003eKeep proof that you had previous drug coverage.\u003c/li\u003e\n\u003cli\u003eIf your new plan sends you a form to confirm past coverage, respond by the deadline.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eMedicare warns that failing to return the form could result in a penalty. Check mail that arrives after enrollment as well. The relevant rules are listed in \u003ca href=\"https://www.medicare.gov/health-drug-plans/part-d/basics/creditable-coverage\"\u003eMedicare's guidance on creditable prescription drug coverage\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#changes-available-if-you-miss-the-deadline\" class=\"anchor\" id=\"changes-available-if-you-miss-the-deadline\"\u003e\u003c/a\u003eChanges Available If You Miss the Deadline\u003c/h2\u003e\n\u003cp\u003eAfter December 7, you must check the requirements for other enrollment periods. January through March is not an additional change period open to all enrollees. Moving or losing other coverage may qualify you for special enrollment.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003ePeriod\u003c/th\u003e\n\u003cth\u003eWho qualifies and what changes are allowed\u003c/th\u003e\n\u003cth\u003eWhen changes take effect\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Period\"\u003eOctober 15 through December 7, 2026\u003c/td\u003e\n\u003ctd data-label=\"Who qualifies and what changes are allowed\"\u003eAdvantage and Part D choices and switches between coverage types for those eligible for annual enrollment\u003c/td\u003e\n\u003ctd data-label=\"When changes take effect\"\u003eJanuary 1, 2027\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Period\"\u003eJanuary 1 through March 31, 2027\u003c/td\u003e\n\u003ctd data-label=\"Who qualifies and what changes are allowed\"\u003eCurrent Advantage enrollees may switch to another Advantage plan or return to Original Medicare\u003c/td\u003e\n\u003ctd data-label=\"When changes take effect\"\u003eThe first day of the month after the plan receives the request\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Period\"\u003eSpecial Enrollment Period\u003c/td\u003e\n\u003ctd data-label=\"Who qualifies and what changes are allowed\"\u003eEnrollees with a qualifying reason, such as moving or losing coverage\u003c/td\u003e\n\u003ctd data-label=\"When changes take effect\"\u003eVaries by reason\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eAdvantage changes from January through March are allowed once during that period. If you return to Original Medicare, you can also enroll in Part D. This period cannot be used to switch from Original Medicare to Advantage.\u003c/p\u003e\n\u003cp\u003eIt also cannot be used by Original Medicare enrollees to change only their Part D plan. During a Special Enrollment Period, the available changes and deadlines vary by reason. If you receive a notice that your plan is ending, also check the separate rights described in the notice.\u003c/p\u003e\n\u003cp\u003eThe restrictions for each period are summarized in \u003ca href=\"https://www.medicare.gov/publications/11219-Understanding-Medicare-Advantage-Medicare-Drug-Plan-Enrollment-Periods.pdf\"\u003eMedicare's enrollment periods guide\u003c/a\u003e.\u003c/p\u003e\n","tags":["Health insurance","Trading Up","Healthy aging"],"faqs":[{"question":"If I make a change in fall 2026, when does coverage start?","answer":"Changes submitted during the annual enrollment period take effect on January 1, 2027. The plan must receive your enrollment request by December 7, 2026."},{"question":"Can I mail it on December 7?","answer":"The mailing date alone does not meet the deadline. The plan must receive your enrollment request by December 7. If you are unsure whether it has arrived, confirm receipt with the plan."},{"question":"Do I need to apply again to keep my current plan?","answer":"If your current plan is still offered next year, you generally do not need to enroll again. However, first check the changes to the terms for 2027. If you have received a notice that your plan is ending, you may need to make another selection."},{"question":"Can I change just Part D if I have Original Medicare?","answer":"During the annual enrollment period, you can enroll in, switch, or drop a standalone Part D plan. Before dropping coverage, check whether you have other creditable prescription drug coverage."},{"question":"If I return to Original Medicare, am I automatically enrolled in Medigap too?","answer":"Medigap is insurance you enroll in separately. The fall annual enrollment period does not guarantee Medigap enrollment. Check the initial enrollment period, guaranteed issue rights, and state-specific protections."},{"question":"Can I change just Part D again in January through March 2027?","answer":"The January through March enrollment period for Advantage applies to current Advantage enrollees. People with Original Medicare cannot use it to change only their Part D coverage. You can check whether you qualify for a special enrollment period for another reason."},{"question":"How do ANOC and EOC differ?","answer":"ANOC is a notice of changes to coverage and costs for the following year. EOC is a document explaining detailed terms, including coverage and costs. Review both documents together."},{"question":"Can I add Part D even if I have employer coverage?","answer":"First, check with your employer or union benefits administrator. Enrolling in Part D could cause you and your family to lose your existing health insurance. You also need to check whether your current drug coverage meets Medicare standards."},{"question":"Who should I contact if I have difficulty applying online?","answer":"Call 1-800-MEDICARE at 1-800-633-4227. You can get help comparing plans and enrolling. The TTY number is 1-877-486-2048."},{"question":"Can I make a change if I move after the annual enrollment deadline?","answer":"You can make a change if your move qualifies you for a special enrollment period. The conditions vary depending on your current plan's service area and the options in your new area. Have your moving date and notification date ready when you check with Medicare."},{"question":"Is this also the time to apply for Medicare Part A and Part B for the first time?","answer":"The fall annual enrollment period is for choosing coverage such as Advantage and Part D. Separate initial enrollment periods apply to Part A and Part B themselves. Check with Social Security about initial enrollment."}],"sources":[{"url":"https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027","title":"CMS: Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2027, September 28, 2026","type":"source"},{"url":"https://www.medicare.gov/health-drug-plans/open-enrollment","title":"Medicare: Open Enrollment","type":"source"},{"url":"https://www.medicare.gov/plan-compare/","title":"Medicare Plan Finder: Plan comparison and enrollment","type":"source"},{"url":"https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan","title":"Medicare: Joining a plan","type":"source"},{"url":"https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources","title":"CMS: Medicare Open Enrollment","type":"source"},{"url":"https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/upcoming-plan-changes","title":"Medicare: Plan Annual Notice of Change","type":"source"},{"url":"https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/evidence-of-coverage","title":"Medicare: Evidence of Coverage","type":"source"},{"url":"https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/when","title":"Medicare: When can I buy a Medigap policy?","type":"source"},{"url":"https://www.medicare.gov/health-drug-plans/part-d/basics/creditable-coverage","title":"Medicare: Creditable prescription drug coverage","type":"source"},{"url":"https://www.medicare.gov/publications/11219-Understanding-Medicare-Advantage-Medicare-Drug-Plan-Enrollment-Periods.pdf","title":"Medicare: Understanding Medicare Advantage \u0026 Medicare Drug Plan Enrollment Periods","type":"source"},{"url":"https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods","title":"Medicare: Special Enrollment Periods","type":"source"},{"url":"https://www.medicare.gov/talk-to-someone","title":"Medicare: Contact Medicare","type":"source"},{"url":"https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/how-does-medicare-work","title":"Medicare: How does Medicare work?","type":"source"},{"url":"https://www.cms.gov/files/document/cy-2026-cd-enrollment-and-disenrollment-guidance.pdf","title":"CMS: Medicare Advantage and Part D Enrollment and Disenrollment Guidance, CY 2026","type":"source"},{"url":"https://www.medicare.gov/health-drug-plans/part-d/what-drug-plans-cover/how-drug-plans-work","title":"Medicare: How do drug plans work?","type":"source"}],"images":[{"id":2650,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6NDA4MzAsInB1ciI6ImJsb2JfaWQifX0=--eff2f05176c6cccc2fc31cce5f267646373057e9/ai-7f1c2c82.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"주방 식탁에서 약병 두 개를 옆에 두고 태블릿의 선택 항목을 누르는 은발의 노년 여성","caption":"선택한 플랜은 공식 Medicare Plan Finder에서 온라인으로 가입 신청하세요.","description":null},"en":{"alt":"An older woman with silver curls selects an option on a tablet at a kitchen table beside two prescription bottles.","caption":"Apply for your chosen plan online through the official Medicare Plan Finder.","description":null},"ja":{"alt":"薬のボトルが2本置かれたキッチンのテーブルで、タブレットの選択肢をタップする銀髪の高齢女性","caption":"選んだプランへの加入は、公式のMedicare Plan Finderからオンラインで申し込みましょう。","description":null},"es":{"alt":"Una mujer mayor de pelo canoso elige una opción en una tableta en la mesa de la cocina, junto a dos frascos de medicinas.","caption":"Solicite la inscripción en el plan elegido a través del sitio oficial Medicare Plan Finder.","description":null},"id":{"alt":"Perempuan lansia berambut perak memilih opsi di tablet di meja dapur, dengan dua botol obat di sampingnya.","caption":"Ajukan pendaftaran ke paket pilihan Anda secara daring melalui Medicare Plan Finder resmi.","description":null},"pt":{"alt":"Uma mulher idosa de cabelos grisalhos seleciona uma opção no tablet à mesa da cozinha, ao lado de dois frascos de remédios.","caption":"Solicite a adesão ao plano escolhido pelo Medicare Plan Finder oficial.","description":null},"zh-hant":{"alt":"一位銀髮年長女性在廚房餐桌上點選平板電腦的選項，旁邊放著兩瓶處方藥","caption":"選定計畫後，請透過官方 Medicare Plan Finder 線上申請加入。","description":null},"de":{"alt":"Eine ältere Frau mit grauen Locken wählt am Küchentisch eine Option auf einem Tablet neben zwei Medikamentenfläschchen.","caption":"Beantragen Sie die Aufnahme in den gewählten Plan online über den offiziellen Medicare Plan Finder.","description":null}}},{"id":2651,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6NDA4MzIsInB1ciI6ImJsb2JfaWQifX0=--b50fc4dbb69c8450e4f41a6b852954ebe5312645/ai-66139a6a.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"거실 안락의자에서 휴대전화로 통화하는 노년 남성과 옆 탁자에 놓인 약병과 서류","caption":"플랜 변경 신청이 접수됐는지와 보장 시작일을 확인하세요.","description":null},"en":{"alt":"An older man talks on a smartphone in an armchair, with a pill bottle and paperwork on the side table.","caption":"Confirm that your plan-change request was received and check when coverage begins.","description":null},"ja":{"alt":"居間の肘掛け椅子でスマートフォンを耳に当てて話す高齢男性と、隣のテーブルに置かれた薬のボトルと書類","caption":"プラン変更の申請が受理されたことと、保障の開始日を確認しましょう。","description":null},"es":{"alt":"Un hombre mayor habla por el móvil en un sillón, con un frasco de pastillas y documentos en la mesa de al lado.","caption":"Confirme la recepción de su solicitud de cambio de plan y la fecha de inicio de la cobertura.","description":null},"id":{"alt":"Pria lansia menelepon di kursi berlengan, dengan botol obat dan dokumen di meja samping.","caption":"Pastikan permohonan perubahan paket telah diterima dan periksa tanggal mulai pertanggungan.","description":null},"pt":{"alt":"Um homem idoso fala ao celular em uma poltrona, com um frasco de remédio e documentos na mesa ao lado.","caption":"Confirme o recebimento da solicitação de mudança de plano e a data de início da cobertura.","description":null},"zh-hant":{"alt":"一名年長男子坐在客廳扶手椅上用手機通話，旁邊的桌上放著藥瓶和文件","caption":"請確認方案變更申請已獲受理，並核實保障開始日期。","description":null},"de":{"alt":"Ein älterer Mann telefoniert im Sessel; auf dem Beistelltisch liegen Unterlagen neben einer Medikamentenflasche.","caption":"Bestätigen Sie den Eingang Ihres Antrags auf einen Tarifwechsel und prüfen Sie den Beginn des Versicherungsschutzes.","description":null}}}],"published_at":"2026-11-10T08:10:15+09:00","updated_at":"2026-11-10T08:10:15+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://onbinder.com/en/articles/medicare-2026-open-enrollment-plan-change-deadline"}