What does open enrollment mean? Open enrollment is a designated time each year when you can enroll in new health insurance plans or change your existing coverage. This period is particularly relevant for individuals based on their age and Medicare status.
If you are enrolled in Medicare or are over 65, this period is known as the Annual Enrollment Period (AEP). For the year 2026, the Medicare AEP will take place from October 15, 2026, to December 7, 2026. During this time, if you are enrolled in Medicare Advantage (Part C) or a prescription drug plan (Part D), you can change your benefits or switch carriers.
If you have a Medicare Supplement plan, this open enrollment period does not apply to you. However, many individuals with a Medicare Supplement also have a separate prescription drug plan (Part D). You can change your Part D plan during the AEP. Additionally, you can switch your Medicare Supplement at any time, provided you meet health underwriting qualifications.
For those who are under 65 and not enrolled in Medicare, the open enrollment period for the Federal Marketplace (Healthcare.gov or Kentucky kynect) is from November 1, 2026, to December 15, 2026. You can enroll in coverage during these dates if you do not have health insurance.
If you have any questions about these open enrollment dates or health insurance options, please contact us.
This year, we kindly ask that you complete our Medicare Intake Form before scheduling an appointment. Once we review your form, we will reach out to you with a date and time for your appointment.