{"content_id":"y6etrjm01k","slug":"medicare-2026-open-enrollment-2027-coverage","locale":"en","schema_type":"HowTo","category":"policy_guide","category_name":"Policy Guide","title":"Medicare Open Enrollment 2026: How to Change Plans","summary":"Medicare open enrollment applications must be received by the plan by December 7, 2026 (U.S.). Learn about the official Plan Finder application process, prescription drug and provider coverage for 2027, and requirements for switching to Medigap.","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 enrollment type and decide what type of coverage to switch to.","Have your Medicare number, Part A and Part B start dates, and medication list ready.","Compare costs, providers, and pharmacies using the 2027 notice of changes and evidence of coverage.","Apply by selecting Enroll for your chosen plan in the official Plan Finder.","Confirm that your application is received by December 7, 2026, and that coverage starts on January 1, 2027."],"content_markdown":"Medicare members have until **December 7, 2026** to request changes during annual enrollment. Have your Medicare number and coverage start date ready. Changes requested through the official Plan Finder take effect on January 1, 2027.\n\nThe schedule and premium projections are based on CMS's September 28, 2026 announcement.\n\n## How to apply through the official Plan Finder\n\nCompare 2027 plans, then select Enroll to apply. Plan Finder is Medicare.gov's official tool for comparing plans and enrolling. Application instructions are available on Medicare.gov's [Joining a plan](https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan) page.\n\n1. Check your current coverage type. Determine whether you have Medicare Advantage or Original Medicare.\n2. Have the number and Part A and Part B start dates from your Medicare card ready. Also write down your medications' names, dosages, and quantities, along with the pharmacies you use.\n3. Search Plan Finder for 2027 plans in your area. Enter all your medications to compare estimated annual costs.\n4. Check the provider and pharmacy networks for the plan you want. If you have employer or retiree insurance, first check how a change would affect it.\n5. Select Enroll for your chosen plan to apply. Keep your submission confirmation and check the coverage start date.\n\nIf using the internet is difficult, you can apply through 1-800-MEDICARE. The phone number is 1-800-633-4227. Mailed applications must reach the plan by the deadline.\n\n## Is December 7 the mailing deadline or the receipt deadline?\n\nThe deadline is based on the date the plan receives your application. The mailing date alone does not determine whether you met the deadline. Medicare.gov's [Open Enrollment](https://www.medicare.gov/health-drug-plans/open-enrollment) page states:\n\n\u003e the plan must get your enrollment request by December 7\n\n| Item | Fall 2026 annual enrollment schedule |\n| --- | --- |\n| Applications open | October 15, 2026 |\n| Application receipt deadline | December 7, 2026 |\n| New coverage begins | January 1, 2027 |\n\nPlan around the receipt deadline in the United States. If you are helping with the process from Korea, account for the time difference. If the cutoff time is unclear, check with the service you are using to apply.\n\n## Conditions for changes by coverage type\n\nThe changes you can choose depend on your current coverage type. Original Medicare is basic coverage through Part A and Part B. Medicare Advantage provides coverage through private plans. Part D is prescription drug coverage.\n\n| Current coverage | Options during fall annual enrollment | What to check before applying |\n| --- | --- | --- |\n| Medicare Advantage | Switch to another Advantage plan | Provider network and whether prescription drugs are covered |\n| Medicare Advantage | Switch to Original Medicare | Whether you need a separate Part D plan and the conditions for Medigap enrollment |\n| Original Medicare | Switch to Medicare Advantage | Part A and Part B enrollment and the plan's service area |\n| Original Medicare with a separate Part D plan | Change or drop Part D | Drug list, pharmacies, and coverage gaps |\n| Original Medicare without a separate Part D plan | Enroll in Part D | Existing drug coverage and the possibility of a late enrollment penalty |\n\nAdvantage enrollment requires both Part A and Part B. A separate Part D plan requires enrollment in Part A or Part B. You must live in your chosen plan's service area.\n\nDistinguish fall annual enrollment from initial enrollment in Part A and Part B. If you do not yet have basic coverage, first check your initial enrollment timing. You can find additional enrollment conditions for each plan on the application screen.\n\n## What to check in the ANOC and EOC\n\nUse the ANOC to identify changes and the EOC to check the actual coverage terms. ANOC is the Annual Notice of Change, a yearly change notice. EOC is the Evidence of Coverage, a document explaining coverage. CMS recommends reviewing both documents in its [annual enrollment guidance](https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources).\n\n| Document to review | What to check | Items to note when comparing |\n| --- | --- | --- |\n| ANOC | Changes in costs and coverage from this year to next year | Premiums, deductibles, and changes in out-of-pocket costs for care and drugs |\n| EOC | Coverage scope and conditions for use | Conditions for needed care, tests, and additional benefits |\n| Provider directory | Network participation of primary care doctors, specialists, and hospitals | Exact plan name and care locations |\n| Prescription drug list | Coverage and tiers for your medications | Drug names, dosages, and restrictions |\n| Pharmacy directory | Available pharmacies and cost terms | Estimated costs at your current pharmacy and other pharmacies |\n\nCheck each Korean primary care doctor and specialist as well. Even if you can see them now, next year's network may be different. Give the hospital the exact name of the 2027 plan you intend to choose.\n\nIf your current plan continues to be offered, you may not need to reapply. Also check whether next year's coverage meets your needs. Keeping the same plan does not mean keeping the same coverage terms.\n\n## Comparing 2027 drug costs and premiums\n\nCompare annual costs based on your medications, not just premiums. CMS's average projections differ from individual bills. Check actual amounts against your chosen plan's 2027 terms.\n\nCMS projected the average monthly premium for separate Part D plans. It estimated an increase from $35.09 in 2026 to $36.00 in 2027. This does not mean every member's premium will rise. The source is [CMS's 2027 plan announcement](https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027).\n\n| Comparison item | Meaning | What to check |\n| --- | --- | --- |\n| Monthly premium | Money paid to maintain coverage | Monthly payment for each 2027 plan |\n| Deductible | Amount you pay before coverage applies | What it applies to and the amount |\n| Copayments and coinsurance | A fixed amount or percentage of costs paid when receiving services | Actual out-of-pocket costs for each medication |\n| Drug tier | A level that determines your share of drug costs | Tier changes for the same drug |\n| Prior authorization | Plan approval required before coverage | Conditions required by the new plan |\n| Step therapy | A requirement to try another drug first | Whether it applies to your current medication |\n| Quantity limit | A limit on how much can be dispensed within a set period | How it differs from your prescribed quantity |\n\nEven if a drug is listed, conditions may apply to its use. Drug tiers also affect your share of costs. Check the conditions in the [Medicare drug coverage guide](https://www.medicare.gov/publications/11109-Medicare-Drug-Coverage-Guide.pdf) and plan documents.\n\n### If you continue taking the same medications\n\nCompare next year's plans again even if your medications have not changed. The tier for the same drug or the cost at each pharmacy may change. Enter the same drugs, dosages, and quantities when comparing.\n\n1. Check your current plan's 2027 drug costs.\n2. Compare other plans using the same medication information.\n3. Compare your current pharmacy with other available pharmacies.\n4. Check coverage conditions for drugs with different costs.\n\n## Switching to Original Medicare and Medigap conditions\n\nBefore returning to Original Medicare, check whether you can enroll in Medigap. Medigap is supplemental insurance that helps with out-of-pocket costs under basic coverage. The fall annual enrollment period does not guarantee Medigap enrollment.\n\nThe standard initial Medigap enrollment period is 6 months. It starts in the month when you are at least 65 years old and enrolled in Part B. After that, your enrollment options may be limited or premiums may be higher. Check additional state-specific rights in the [Medigap enrollment guidance](https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/when).\n\n| Circumstances when switching | What to check first |\n| --- | --- |\n| Advantage includes prescription drug coverage | Whether you need a separate Part D plan after switching |\n| Your initial Medigap enrollment period has ended | Guaranteed issue rights and the insurer's underwriting conditions |\n| Additional state protections are available | Enrollment and switching rights in your state |\n| You have other existing prescription drug insurance | Whether it is recognized as coverage comparable to Part D |\n\nA gap in drug coverage can lead to a late enrollment penalty. This applies if you go at least 63 days without creditable drug coverage after your initial enrollment period. Check exceptions, including eligibility for Extra Help, in the [late enrollment penalty guidance](https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties).\n\n## Checking employer, retiree, and family coverage\n\nIf you have employer or retiree insurance, check with its administrator before applying for a new plan. Joining an outside plan may affect your existing insurance. Your family's retiree coverage may also be affected. Medicare.gov explains this in its [employer and retiree insurance guidance](https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65).\n\n1. Check whether your existing insurance will continue if you join a new plan.\n2. Ask whether your spouse's and dependents' coverage will also be affected.\n3. Check whether your existing prescription drug coverage is comparable to Part D.\n4. Proceed with the plan change after confirming the answers.\n\nA lower premium for you does not necessarily mean a better outcome for your family's coverage. Do not judge employer insurance terms from Plan Finder comparisons alone. You must also review the terms provided by your existing insurance administrator.\n\n## Comparing the fall and January enrollment periods\n\nThe January enrollment period is for people already enrolled in Advantage. It should not be treated as a simple extension of fall annual enrollment. The available changes are distinguished in the [Medicare enrollment periods guide](https://www.medicare.gov/publications/11219-Understanding-Medicare-Advantage-Medicare-Drug-Plan-Enrollment-Periods.pdf).\n\n| Item | Fall annual enrollment period | Advantage enrollment period |\n| --- | --- | --- |\n| Dates | October 15 to December 7, 2026 | January 1 to March 31, 2027 |\n| Eligibility | People who meet enrollment requirements based on their current coverage type | People already enrolled in Advantage |\n| Switch between Advantage plans | Allowed | Allowed |\n| Switch from Advantage to Original Medicare | Allowed | Allowed, with enrollment in a separate Part D plan also available |\n| Switch from Original Medicare to Advantage | Allowed | Not allowed under this period's enrollment rights |\n| Change only Part D for an Original Medicare member | Allowed | Not allowed under this period's enrollment rights |\n| Effective date of change | January 1, 2027 | First day of the month after the plan receives the application |\n| Limit on changes during the January enrollment period | Not applicable | 1 change during the period |\n\nMoving or losing existing coverage may qualify you for a special enrollment period. The changes allowed and application deadlines vary by reason. If you missed the fall deadline, check your circumstances with Medicare.\n\n## Common mistakes\n\nBefore choosing a plan, check for the misunderstandings below. Application deadlines and coverage conditions are separate issues. You should also read next year's documents before deciding whether coverage will continue automatically.\n\n| Common misunderstanding | Fact to check |\n| --- | --- |\n| Mailing the application on December 7 is enough | The plan must receive it by the deadline |\n| You can keep seeing your current doctor | You must check the network for that specific 2027 plan |\n| If the drug name is on the list, the conditions are unchanged | You must check tiers, prior authorization, and quantity limits |\n| Returning to Original Medicare and enrolling in Medigap are one process | Medigap enrollment rights and conditions are separate |\n| All members can make changes through March | The January enrollment period is for Advantage members |\n| You must reapply every year to keep coverage | Reapplying may not be necessary if the existing plan continues to be offered |\n\n## Preparing for free counseling\n\nIf comparing plans is difficult, you can use SHIP's free individual counseling. SHIP is a counseling program that is not affiliated with an insurer or plan. Find a counseling service in your state through the [SHIP local directory](https://www.shiphelp.org/).\n\n- Medicare card and current plan information\n- 2027 ANOC and EOC\n- Medication names, dosages, and quantities, and the pharmacies you use\n- List of primary care doctors, specialists, and hospitals you want to keep using\n- Notices about employer or retiree insurance and other prescription drug coverage\n\nIf your income and assets are limited, also ask whether you qualify for help with costs. Extra Help is a program that helps with Part D costs. Medicare Savings Programs help with premiums and other costs based on eligibility. Check state-specific criteria with the responsible agency in your state.","content_html":"\u003cp\u003eMedicare members have until \u003cstrong\u003eDecember 7, 2026\u003c/strong\u003e to request changes during annual enrollment. Have your Medicare number and coverage start date ready. Changes requested through the official Plan Finder take effect on January 1, 2027.\u003c/p\u003e\n\u003cp\u003eThe schedule and premium projections are based on CMS's September 28, 2026 announcement.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-to-apply-through-the-official-plan-finder\" class=\"anchor\" id=\"how-to-apply-through-the-official-plan-finder\"\u003e\u003c/a\u003eHow to apply through the official Plan Finder\u003c/h2\u003e\n\u003cp\u003eCompare 2027 plans, then select Enroll to apply. Plan Finder is Medicare.gov's official tool for comparing plans and enrolling. Application instructions are available on Medicare.gov's \u003ca href=\"https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan\"\u003eJoining a plan\u003c/a\u003e page.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck your current coverage type. Determine whether you have Medicare Advantage or Original Medicare.\u003c/li\u003e\n\u003cli\u003eHave the number and Part A and Part B start dates from your Medicare card ready. Also write down your medications' names, dosages, and quantities, along with the pharmacies you use.\u003c/li\u003e\n\u003cli\u003eSearch Plan Finder for 2027 plans in your area. Enter all your medications to compare estimated annual costs.\u003c/li\u003e\n\u003cli\u003eCheck the provider and pharmacy networks for the plan you want. If you have employer or retiree insurance, first check how a change would affect it.\u003c/li\u003e\n\u003cli\u003eSelect Enroll for your chosen plan to apply. Keep your submission confirmation and check the coverage start date.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eIf using the internet is difficult, you can apply through 1-800-MEDICARE. The phone number is 1-800-633-4227. Mailed applications must reach the plan by the deadline.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#is-december-7-the-mailing-deadline-or-the-receipt-deadline\" class=\"anchor\" id=\"is-december-7-the-mailing-deadline-or-the-receipt-deadline\"\u003e\u003c/a\u003eIs December 7 the mailing deadline or the receipt deadline?\u003c/h2\u003e\n\u003cp\u003eThe deadline is based on the date the plan receives your application. The mailing date alone does not determine whether you met the deadline. Medicare.gov's \u003ca href=\"https://www.medicare.gov/health-drug-plans/open-enrollment\"\u003eOpen Enrollment\u003c/a\u003e page states:\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\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c/th\u003e\n\u003cth\u003eFall 2026 annual enrollment schedule\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eApplications open\u003c/td\u003e\n\u003ctd data-label=\"Fall 2026 annual enrollment schedule\"\u003eOctober 15, 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eApplication receipt deadline\u003c/td\u003e\n\u003ctd data-label=\"Fall 2026 annual enrollment schedule\"\u003eDecember 7, 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eNew coverage begins\u003c/td\u003e\n\u003ctd data-label=\"Fall 2026 annual enrollment schedule\"\u003eJanuary 1, 2027\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003ePlan around the receipt deadline in the United States. If you are helping with the process from Korea, account for the time difference. If the cutoff time is unclear, check with the service you are using to apply.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#conditions-for-changes-by-coverage-type\" class=\"anchor\" id=\"conditions-for-changes-by-coverage-type\"\u003e\u003c/a\u003eConditions for changes by coverage type\u003c/h2\u003e\n\u003cp\u003eThe changes you can choose depend on your current coverage type. Original Medicare is basic coverage through 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\u003eCurrent coverage\u003c/th\u003e\n\u003cth\u003eOptions during fall annual enrollment\u003c/th\u003e\n\u003cth\u003eWhat to check before applying\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eMedicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"Options during fall annual enrollment\"\u003eSwitch to another Advantage plan\u003c/td\u003e\n\u003ctd data-label=\"What to check before applying\"\u003eProvider network and whether prescription drugs are covered\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 fall annual enrollment\"\u003eSwitch to Original Medicare\u003c/td\u003e\n\u003ctd data-label=\"What to check before applying\"\u003eWhether you need a separate Part D plan and the conditions for Medigap enrollment\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare\u003c/td\u003e\n\u003ctd data-label=\"Options during fall annual enrollment\"\u003eSwitch to Medicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"What to check before applying\"\u003ePart A and Part B enrollment and the plan's service area\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare with a separate Part D plan\u003c/td\u003e\n\u003ctd data-label=\"Options during fall annual enrollment\"\u003eChange or drop Part D\u003c/td\u003e\n\u003ctd data-label=\"What to check before applying\"\u003eDrug list, pharmacies, and coverage gaps\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare without a separate Part D plan\u003c/td\u003e\n\u003ctd data-label=\"Options during fall annual enrollment\"\u003eEnroll in Part D\u003c/td\u003e\n\u003ctd data-label=\"What to check before applying\"\u003eExisting drug coverage and the possibility of a late enrollment penalty\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eAdvantage enrollment requires both Part A and Part B. A separate Part D plan requires enrollment in Part A or Part B. You must live in your chosen plan's service area.\u003c/p\u003e\n\u003cp\u003eDistinguish fall annual enrollment from initial enrollment in Part A and Part B. If you do not yet have basic coverage, first check your initial enrollment timing. You can find additional enrollment conditions for each plan on the application screen.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#what-to-check-in-the-anoc-and-eoc\" class=\"anchor\" id=\"what-to-check-in-the-anoc-and-eoc\"\u003e\u003c/a\u003eWhat to check in the ANOC and EOC\u003c/h2\u003e\n\u003cp\u003eUse the ANOC to identify changes and the EOC to check the actual coverage terms. ANOC is the Annual Notice of Change, a yearly change notice. EOC is the Evidence of Coverage, a document explaining coverage. CMS recommends reviewing both documents in its \u003ca href=\"https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources\"\u003eannual enrollment guidance\u003c/a\u003e.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eDocument to review\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003cth\u003eItems to note when comparing\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Document to review\"\u003eANOC\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eChanges in costs and coverage from this year to next year\u003c/td\u003e\n\u003ctd data-label=\"Items to note when comparing\"\u003ePremiums, deductibles, and changes in out-of-pocket costs for care and drugs\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Document to review\"\u003eEOC\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eCoverage scope and conditions for use\u003c/td\u003e\n\u003ctd data-label=\"Items to note when comparing\"\u003eConditions for needed care, tests, and additional benefits\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Document to review\"\u003eProvider directory\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eNetwork participation of primary care doctors, specialists, and hospitals\u003c/td\u003e\n\u003ctd data-label=\"Items to note when comparing\"\u003eExact plan name and care locations\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Document to review\"\u003ePrescription drug list\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eCoverage and tiers for your medications\u003c/td\u003e\n\u003ctd data-label=\"Items to note when comparing\"\u003eDrug names, dosages, and restrictions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Document to review\"\u003ePharmacy directory\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eAvailable pharmacies and cost terms\u003c/td\u003e\n\u003ctd data-label=\"Items to note when comparing\"\u003eEstimated costs at your current pharmacy and other pharmacies\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eCheck each Korean primary care doctor and specialist as well. Even if you can see them now, next year's network may be different. Give the hospital the exact name of the 2027 plan you intend to choose.\u003c/p\u003e\n\u003cp\u003eIf your current plan continues to be offered, you may not need to reapply. Also check whether next year's coverage meets your needs. Keeping the same plan does not mean keeping the same coverage terms.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-2027-drug-costs-and-premiums\" class=\"anchor\" id=\"comparing-2027-drug-costs-and-premiums\"\u003e\u003c/a\u003eComparing 2027 drug costs and premiums\u003c/h2\u003e\n\u003cp\u003eCompare annual costs based on your medications, not just premiums. CMS's average projections differ from individual bills. Check actual amounts against your chosen plan's 2027 terms.\u003c/p\u003e\n\u003cp\u003eCMS projected the average monthly premium for separate Part D plans. It estimated an increase from $35.09 in 2026 to $36.00 in 2027. This does not mean every member's premium will rise. The source is \u003ca href=\"https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027\"\u003eCMS's 2027 plan announcement\u003c/a\u003e.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eComparison item\u003c/th\u003e\n\u003cth\u003eMeaning\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison item\"\u003eMonthly premium\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003eMoney paid to maintain coverage\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eMonthly payment for each 2027 plan\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison item\"\u003eDeductible\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003eAmount you pay before coverage applies\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhat it applies to and the amount\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison item\"\u003eCopayments and coinsurance\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003eA fixed amount or percentage of costs paid when receiving services\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eActual out-of-pocket costs for each medication\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison item\"\u003eDrug tier\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003eA level that determines your share of drug costs\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eTier changes for the same drug\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison item\"\u003ePrior authorization\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003ePlan approval required before coverage\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eConditions required by the new plan\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison item\"\u003eStep therapy\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003eA requirement to try another drug first\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether it applies to your current medication\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Comparison item\"\u003eQuantity limit\u003c/td\u003e\n\u003ctd data-label=\"Meaning\"\u003eA limit on how much can be dispensed within a set period\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eHow it differs from your prescribed quantity\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eEven if a drug is listed, conditions may apply to its use. Drug tiers also affect your share of costs. Check the conditions in the \u003ca href=\"https://www.medicare.gov/publications/11109-Medicare-Drug-Coverage-Guide.pdf\"\u003eMedicare drug coverage guide\u003c/a\u003e and plan documents.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#if-you-continue-taking-the-same-medications\" class=\"anchor\" id=\"if-you-continue-taking-the-same-medications\"\u003e\u003c/a\u003eIf you continue taking the same medications\u003c/h3\u003e\n\u003cp\u003eCompare next year's plans again even if your medications have not changed. The tier for the same drug or the cost at each pharmacy may change. Enter the same drugs, dosages, and quantities when comparing.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck your current plan's 2027 drug costs.\u003c/li\u003e\n\u003cli\u003eCompare other plans using the same medication information.\u003c/li\u003e\n\u003cli\u003eCompare your current pharmacy with other available pharmacies.\u003c/li\u003e\n\u003cli\u003eCheck coverage conditions for drugs with different costs.\u003c/li\u003e\n\u003c/ol\u003e\n\u003ch2\u003e\n\u003ca href=\"#switching-to-original-medicare-and-medigap-conditions\" class=\"anchor\" id=\"switching-to-original-medicare-and-medigap-conditions\"\u003e\u003c/a\u003eSwitching to Original Medicare and Medigap conditions\u003c/h2\u003e\n\u003cp\u003eBefore returning to Original Medicare, check whether you can enroll in Medigap. Medigap is supplemental insurance that helps with out-of-pocket costs under basic coverage. The fall annual enrollment period does not guarantee Medigap enrollment.\u003c/p\u003e\n\u003cp\u003eThe standard initial Medigap enrollment period is 6 months. It starts in the month when you are at least 65 years old and enrolled in Part B. After that, your enrollment options may be limited or premiums may be higher. Check additional state-specific rights in the \u003ca href=\"https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy/when\"\u003eMedigap enrollment guidance\u003c/a\u003e.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCircumstances when switching\u003c/th\u003e\n\u003cth\u003eWhat to check first\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Circumstances when switching\"\u003eAdvantage includes prescription drug coverage\u003c/td\u003e\n\u003ctd data-label=\"What to check first\"\u003eWhether you need a separate Part D plan after switching\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Circumstances when switching\"\u003eYour initial Medigap enrollment period has ended\u003c/td\u003e\n\u003ctd data-label=\"What to check first\"\u003eGuaranteed issue rights and the insurer's underwriting conditions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Circumstances when switching\"\u003eAdditional state protections are available\u003c/td\u003e\n\u003ctd data-label=\"What to check first\"\u003eEnrollment and switching rights in your state\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Circumstances when switching\"\u003eYou have other existing prescription drug insurance\u003c/td\u003e\n\u003ctd data-label=\"What to check first\"\u003eWhether it is recognized as coverage comparable to Part D\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eA gap in drug coverage can lead to a late enrollment penalty. This applies if you go at least 63 days without creditable drug coverage after your initial enrollment period. Check exceptions, including eligibility for Extra Help, in the \u003ca href=\"https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties\"\u003elate enrollment penalty guidance\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#checking-employer-retiree-and-family-coverage\" class=\"anchor\" id=\"checking-employer-retiree-and-family-coverage\"\u003e\u003c/a\u003eChecking employer, retiree, and family coverage\u003c/h2\u003e\n\u003cp\u003eIf you have employer or retiree insurance, check with its administrator before applying for a new plan. Joining an outside plan may affect your existing insurance. Your family's retiree coverage may also be affected. Medicare.gov explains this in its \u003ca href=\"https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65\"\u003eemployer and retiree insurance guidance\u003c/a\u003e.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck whether your existing insurance will continue if you join a new plan.\u003c/li\u003e\n\u003cli\u003eAsk whether your spouse's and dependents' coverage will also be affected.\u003c/li\u003e\n\u003cli\u003eCheck whether your existing prescription drug coverage is comparable to Part D.\u003c/li\u003e\n\u003cli\u003eProceed with the plan change after confirming the answers.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eA lower premium for you does not necessarily mean a better outcome for your family's coverage. Do not judge employer insurance terms from Plan Finder comparisons alone. You must also review the terms provided by your existing insurance administrator.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-the-fall-and-january-enrollment-periods\" class=\"anchor\" id=\"comparing-the-fall-and-january-enrollment-periods\"\u003e\u003c/a\u003eComparing the fall and January enrollment periods\u003c/h2\u003e\n\u003cp\u003eThe January enrollment period is for people already enrolled in Advantage. It should not be treated as a simple extension of fall annual enrollment. The available changes are distinguished in the \u003ca href=\"https://www.medicare.gov/publications/11219-Understanding-Medicare-Advantage-Medicare-Drug-Plan-Enrollment-Periods.pdf\"\u003eMedicare enrollment periods guide\u003c/a\u003e.\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\u003eFall annual enrollment period\u003c/th\u003e\n\u003cth\u003eAdvantage enrollment period\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eDates\u003c/td\u003e\n\u003ctd data-label=\"Fall annual enrollment period\"\u003eOctober 15 to December 7, 2026\u003c/td\u003e\n\u003ctd data-label=\"Advantage enrollment period\"\u003eJanuary 1 to March 31, 2027\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eEligibility\u003c/td\u003e\n\u003ctd data-label=\"Fall annual enrollment period\"\u003ePeople who meet enrollment requirements based on their current coverage type\u003c/td\u003e\n\u003ctd data-label=\"Advantage enrollment period\"\u003ePeople already enrolled in Advantage\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eSwitch between Advantage plans\u003c/td\u003e\n\u003ctd data-label=\"Fall annual enrollment period\"\u003eAllowed\u003c/td\u003e\n\u003ctd data-label=\"Advantage enrollment period\"\u003eAllowed\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eSwitch from Advantage to Original Medicare\u003c/td\u003e\n\u003ctd data-label=\"Fall annual enrollment period\"\u003eAllowed\u003c/td\u003e\n\u003ctd data-label=\"Advantage enrollment period\"\u003eAllowed, with enrollment in a separate Part D plan also available\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eSwitch from Original Medicare to Advantage\u003c/td\u003e\n\u003ctd data-label=\"Fall annual enrollment period\"\u003eAllowed\u003c/td\u003e\n\u003ctd data-label=\"Advantage enrollment period\"\u003eNot allowed under this period's enrollment rights\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eChange only Part D for an Original Medicare member\u003c/td\u003e\n\u003ctd data-label=\"Fall annual enrollment period\"\u003eAllowed\u003c/td\u003e\n\u003ctd data-label=\"Advantage enrollment period\"\u003eNot allowed under this period's enrollment rights\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eEffective date of change\u003c/td\u003e\n\u003ctd data-label=\"Fall annual enrollment period\"\u003eJanuary 1, 2027\u003c/td\u003e\n\u003ctd data-label=\"Advantage enrollment period\"\u003eFirst day of the month after the plan receives the application\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eLimit on changes during the January enrollment period\u003c/td\u003e\n\u003ctd data-label=\"Fall annual enrollment period\"\u003eNot applicable\u003c/td\u003e\n\u003ctd data-label=\"Advantage enrollment period\"\u003e1 change during the period\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eMoving or losing existing coverage may qualify you for a special enrollment period. The changes allowed and application deadlines vary by reason. If you missed the fall deadline, check your circumstances with Medicare.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-mistakes\" class=\"anchor\" id=\"common-mistakes\"\u003e\u003c/a\u003eCommon mistakes\u003c/h2\u003e\n\u003cp\u003eBefore choosing a plan, check for the misunderstandings below. Application deadlines and coverage conditions are separate issues. You should also read next year's documents before deciding whether coverage will continue automatically.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCommon misunderstanding\u003c/th\u003e\n\u003cth\u003eFact to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eMailing the application on December 7 is enough\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eThe plan must receive it by the deadline\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eYou can keep seeing your current doctor\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eYou must check the network for that specific 2027 plan\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eIf the drug name is on the list, the conditions are unchanged\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eYou must check tiers, prior authorization, and quantity limits\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eReturning to Original Medicare and enrolling in Medigap are one process\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eMedigap enrollment rights and conditions are separate\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eAll members can make changes through March\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eThe January enrollment period is for Advantage members\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misunderstanding\"\u003eYou must reapply every year to keep coverage\u003c/td\u003e\n\u003ctd data-label=\"Fact to check\"\u003eReapplying may not be necessary if the existing plan continues to be offered\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\n\u003ca href=\"#preparing-for-free-counseling\" class=\"anchor\" id=\"preparing-for-free-counseling\"\u003e\u003c/a\u003ePreparing for free counseling\u003c/h2\u003e\n\u003cp\u003eIf comparing plans is difficult, you can use SHIP's free individual counseling. SHIP is a counseling program that is not affiliated with an insurer or plan. Find a counseling service in your state through the \u003ca href=\"https://www.shiphelp.org/\"\u003eSHIP local directory\u003c/a\u003e.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eMedicare card and current plan information\u003c/li\u003e\n\u003cli\u003e2027 ANOC and EOC\u003c/li\u003e\n\u003cli\u003eMedication names, dosages, and quantities, and the pharmacies you use\u003c/li\u003e\n\u003cli\u003eList of primary care doctors, specialists, and hospitals you want to keep using\u003c/li\u003e\n\u003cli\u003eNotices about employer or retiree insurance and other prescription drug coverage\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eIf your income and assets are limited, also ask whether you qualify for help with costs. Extra Help is a program that helps with Part D costs. Medicare Savings Programs help with premiums and other costs based on eligibility. Check state-specific criteria with the responsible agency in your state.\u003c/p\u003e\n","tags":["Health insurance","Trading Up","health insurance premium","Healthy aging"],"faqs":[{"question":"What is the deadline to request a Medicare plan change during the 2026 annual enrollment period?","answer":"The plan must receive your application by December 7, 2026. Do not go by the mailing date."},{"question":"When do changes requested in the fall take effect?","answer":"Changes received during the annual enrollment period and by the deadline take effect on January 1, 2027. Check your enrollment confirmation for the actual coverage start date."},{"question":"Do I need to reapply to keep my current plan?","answer":"If your current plan continues to be offered, you generally do not need to reapply. Check the 2027 costs and coverage terms before keeping it."},{"question":"What do I need to enroll through Plan Finder?","answer":"Have your Medicare number and Part A and Part B coverage start dates ready. Also gather information about your medications and the pharmacies you use to compare costs."},{"question":"Should I compare Part D plans even if I take the same medications?","answer":"Even for the same medications, drug tiers and coverage requirements may change the following year. Compare costs at different pharmacies using the same medications, dosages, and quantities."},{"question":"If I return to Original Medicare, can I also enroll in Medigap?","answer":"The fall annual enrollment period alone does not guarantee that you can enroll in Medigap. Check whether you are in your initial enrollment period or have separate enrollment rights. You can also check for additional protections in your state."},{"question":"If I only want to change Part D plans, can I wait until March 2027?","answer":"Original Medicare enrollees cannot use the Advantage plan change period in January. Unless you have a separate special enrollment period, apply during the fall annual enrollment period."},{"question":"Can I drop prescription drug coverage if I am not currently taking any medications?","answer":"Do not decide based solely on whether you currently take medications. A gap in creditable prescription drug coverage may result in a late enrollment penalty. Check your other coverage or eligibility for Extra Help first."},{"question":"Can I apply for a new plan even if I have employer or retiree insurance?","answer":"Before applying, check with your current insurance administrator about the impact. Enrolling in an outside plan could cause you or your family to lose retiree coverage."},{"question":"Can I get free counseling without choosing an insurance company?","answer":"You can get free one-on-one counseling through SHIP. It is a program that is not affiliated with any insurance company or plan. Contact the counseling service in your state about plan comparisons and eligibility for help with costs."}],"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":"data_point"},{"url":"https://www.medicare.gov/health-drug-plans/open-enrollment","title":"Medicare.gov, Open Enrollment","type":"source"},{"url":"https://www.medicare.gov/plan-compare/?os=vbf","title":"Medicare.gov, Medicare Plan Finder","type":"source"},{"url":"https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan","title":"Medicare.gov, 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/health-drug-plans/medigap/ready-to-buy/when","title":"Medicare.gov, When can I buy a Medigap policy?","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/publications/11109-Medicare-Drug-Coverage-Guide.pdf","title":"Medicare, Your Guide to Medicare Drug Coverage","type":"source"},{"url":"https://www.medicare.gov/health-drug-plans/part-d/what-drug-plans-cover/how-drug-plans-work","title":"Medicare.gov, How do drug plans work?","type":"source"},{"url":"https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties","title":"Medicare.gov, Avoid late enrollment penalties","type":"source"},{"url":"https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65","title":"Medicare.gov, Working past 65","type":"source"},{"url":"https://www.shiphelp.org/","title":"SHIP, Get Medicare Help from Your Local SHIP Program","type":"source"}],"images":[{"id":2112,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MzI0NTksInB1ciI6ImJsb2JfaWQifX0=--747651fdd0d96bfedcd73ea42beb7967188e48bf/ai-30600d40.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"파란 카디건을 입은 노년 남성이 약병이 놓인 집 식탁에서 태블릿 화면을 누르고 있다.","caption":"공식 Plan Finder에서 선택한 플랜의 Enroll을 눌러 변경을 신청하세요.","description":null},"en":{"alt":"An older man in a blue cardigan taps a tablet at his home dining table, with medicine bottles nearby.","caption":"Apply for a plan change using the selected plan’s Enroll option in the official Plan Finder.","description":null},"ja":{"alt":"青いカーディガンを着た高齢の男性が、薬のボトルが置かれた自宅の食卓でタブレットを操作している。","caption":"公式Plan Finderで選んだプランのEnrollから変更を申請しましょう。","description":null},"es":{"alt":"Un hombre mayor con un cárdigan azul toca una tableta en la mesa de su casa, junto a frascos de medicamentos.","caption":"Solicite el cambio mediante la opción Enroll del plan elegido en el Plan Finder oficial.","description":null},"id":{"alt":"Pria lansia berkardigan biru mengetuk tablet di meja makan rumahnya, dengan botol obat di dekatnya.","caption":"Ajukan perubahan melalui opsi Enroll pada paket yang dipilih di Plan Finder resmi.","description":null},"pt":{"alt":"Um homem idoso de cardigã azul toca um tablet à mesa de casa, com frascos de medicamentos ao lado.","caption":"Solicite a mudança pela opção Enroll do plano escolhido no Plan Finder oficial.","description":null},"zh-hant":{"alt":"一名穿藍色針織外套的年長男子在家中餐桌前點按平板，旁邊放著藥瓶。","caption":"請在官方 Plan Finder 中，透過所選計畫的 Enroll 選項申請變更。","description":null},"de":{"alt":"Ein älterer Mann im blauen Cardigan tippt zu Hause am Esstisch auf ein Tablet; daneben stehen Medikamentenfläschchen.","caption":"Beantragen Sie den Wechsel im offiziellen Plan Finder über die Option Enroll des gewählten Plans.","description":null}}},{"id":2113,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MzI0NjYsInB1ciI6ImJsb2JfaWQifX0=--c80dcf009512c50935b40d91934b3650314ac3e1/ai-9aa9bd86.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"거실 안락의자에 앉아 휴대전화를 귀에 대고 미소 짓는 노년 여성","caption":"Medicare 플랜 변경 신청이 2026년 12월 7일까지 접수되었는지 확인하세요.","description":null},"en":{"alt":"An older woman smiles while holding a phone to her ear, seated in a living-room armchair.","caption":"Confirm that your Medicare plan change request is received by December 7, 2026.","description":null},"ja":{"alt":"リビングの肘掛け椅子に座り、携帯電話を耳に当てて微笑む高齢の女性","caption":"Medicareのプラン変更申請が2026年12月7日までに受理されたことを確認しましょう。","description":null},"es":{"alt":"Una mujer mayor sonríe con el teléfono en la oreja, sentada en un sillón de la sala.","caption":"Confirme que su solicitud de cambio de plan de Medicare se reciba a más tardar el 7 de diciembre de 2026.","description":null},"id":{"alt":"Seorang perempuan lansia tersenyum sambil menelepon, duduk di kursi berlengan di ruang tamu.","caption":"Pastikan permohonan perubahan paket Medicare Anda diterima paling lambat 7 Desember 2026.","description":null},"pt":{"alt":"Uma mulher idosa sorri com o telefone junto ao ouvido, sentada em uma poltrona na sala.","caption":"Confirme que sua solicitação de mudança de plano do Medicare seja recebida até 7 de dezembro de 2026.","description":null},"zh-hant":{"alt":"一位年長女性坐在客廳扶手椅上，將手機貼近耳邊，面帶微笑","caption":"請確認您的 Medicare 計畫變更申請已於2026年12月7日前送達受理。","description":null},"de":{"alt":"Eine ältere Frau sitzt im Wohnzimmersessel und lächelt mit dem Telefon am Ohr.","caption":"Prüfen Sie, ob Ihr Antrag auf einen Medicare-Planwechsel bis zum 7. Dezember 2026 eingegangen ist.","description":null}}}],"published_at":"2026-10-25T00:01:49+09:00","updated_at":"2026-10-25T00:01:49+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-2027-coverage"}