Most Medicare beneficiaries cannot change plans after the Annual Enrollment Period, which runs October 15 through December 7, but exceptions may apply. Certain life events can qualify individuals for a Special Enrollment Period, allowing plan changes outside the usual window. Those enrolled in Medicare Advantage plans also have a separate opportunity to make adjustments early in the year.

Key opportunities to change Medicare coverage include the Annual Enrollment Period from October 15 to December 7, with changes effective January 1 and the Medicare Advantage Open Enrollment Period from January 1 to March 31, available only to those already enrolled in a Medicare Advantage plan. Special Enrollment Periods are available year-round when triggered by specific circumstances.

Common reasons for a Special Enrollment Period include moving to a new address inside or outside a plan’s service area, losing other health coverage such as Medicaid or employer-sponsored insurance, moving into or out of a nursing home or long-term care facility, or being affected by a declared disaster or emergency. Individuals who qualify for Medicaid or Extra Help or those with certain chronic conditions may change Medicare plans on a monthly basis. 

Beneficiaries are encouraged to review their options carefully to ensure continued access to needed care and coverage.