The coverage year
Dates from Medicare.gov and HealthCare.gov.
- Medicare Open EnrollmentOctober 15 to December 7 · starts tomorrow
- Marketplace Open EnrollmentNovember 1 to January 15, 2027 · starts in 18 days
- Medicare Advantage Open EnrollmentJanuary 1 to March 31, 2027 · starts January 1, 2027
- Any time of yearMedicaid, ALL Kids, many dental and vision plans, and life changes
Medicare
- Turning 65: your Initial Enrollment Period runs from three months before the month you turn 65 to three months after. Find your window
- Open Enrollment, October 15 to December 7: join, switch, or drop a Medicare Advantage or drug plan. Changes start January 1.
- Medicare Advantage Open Enrollment, January 1 to March 31: already on a Medicare Advantage plan? Make one change: another Advantage plan, or Original Medicare.
- Medigap Open Enrollment: six months starting the month you are 65 or older and enrolled in Part B.
- Life changes, like moving or losing other coverage, can open a Special Enrollment Period.
Individual & Family (Marketplace)
- Open Enrollment for 2027 coverage: November 1, 2026 to January 15, 2027.
- For coverage that starts January 1: enroll by December 15, 2026. From December 16 to January 15, coverage starts February 1.
- Life changes: losing coverage, moving, marriage, or having or adopting a baby usually gives you 60 days.
Any time of year
- Medicaid and ALL Kids take applications all year.
- Many dental and vision plans can start any month.
Not sure which window is yours?
One conversation sorts out which dates apply to you.
