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Enrollment Period for Medicare Advantage Plans 2027: The Dated Calendar for This Cycle

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 6, 2026

The main enrollment period for Medicare Advantage plans for 2027 runs from Thursday, October 15 through Monday, December 7, 2026, and plans chosen then begin on Friday, January 1, 2027. Current members get one more change from January 1 through March 31, 2027, and the 5-star switch window stays open from December 8, 2026 to November 30, 2027.

2027 by the Numbers

54 days

length of the October 15-December 7, 2026 window

31 days

left in that window as of November 6, 2026

90 days

length of the January 1-March 31, 2027 window for members

$12.00

projected average 2027 Medicare Advantage premium, down from $14.37 (CMS)

Every Medicare Advantage year follows the same rough rhythm, but the days of the week and the deadlines shift. This page lays out the 2027 cycle as a dated timeline, from the plan notices mailed in September 2026 to the last day of the 5-star window in November 2027.

It also notes what changed in the rules for this cycle. For a reference description of each window that applies every year, see the Medicare Part C enrollment period guide.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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December 7, 2026 falls on a Monday; it is the last day to choose a plan for January 1, 2027.

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Changes made January through March 2027 start the first day of the next month.

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Plans leaving Medicare for 2027 give members until February 28, 2027 to replace them.

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Projected 2027 figures: an average $12.00 Advantage premium and a $2,400 Part D out-of-pocket cap.

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The 2027 Cycle, Date by Date

Date Day What happens
By Sept 30, 2026 Wednesday Current members receive the Annual Notice of Change for 2027
Oct 1, 2026 Thursday Plans can begin marketing 2027 coverage; 2027 plans appear on Medicare’s Plan Finder in early October
October 2026 – CMS publishes the 2027 Star Ratings
Oct 15, 2026 Thursday Fall enrollment period opens
Dec 7, 2026 Monday Fall enrollment period closes
Dec 8, 2026 Tuesday 5-star switch window and the window for members of non-renewing plans open
Jan 1, 2027 Friday 2027 plans start; January to March window for members opens
Feb 28, 2027 Sunday Last day for members of non-renewing plans to choose a replacement
Mar 31, 2027 Wednesday January to March window closes; changes start April 1
Oct 15, 2027 Friday Fall window for 2028 plans opens, closing Tuesday, Dec 7, 2027
Nov 30, 2027 Tuesday 5-star switch window for this cycle closes

Dates from CMS and Medicare.gov rules; days of the week computed for 2026-2027.

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September: Reading the Notice Before the Window Opens

The Annual Notice of Change is the starting gun for the cycle. It tells current members exactly what their plan will change on January 1, 2027: premium, deductible, copays, drug tiers, the provider network and any extra benefits added or removed.

A notice that arrives late or goes unread does not extend any deadline. Members who keep their current plan without acting are simply renewed into its 2027 version, with whatever changes the notice describes, unless the plan itself is leaving Medicare.

Lines in the 2027 notice worth circling

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The monthly premium and any Part B giveback amount for 2027.

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The in-network out-of-pocket maximum.

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Tier changes for each prescription you take.

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Benefits listed as ending, such as reductions in dental, vision or over-the-counter allowances, which vary by plan and area.

Broader trends in plan benefits for this year are tracked on the page about changes to Medicare Advantage plans in 2027.

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October 15 to December 7, 2026: The Main Window

Join

Enroll in a Medicare Advantage plan from Original Medicare

Switch

Move to a different Medicare Advantage plan

Leave

Return to Original Medicare and pick a drug plan

Whatever is chosen in this window begins January 1, 2027. If more than one application is submitted, Medicare keeps the last one received by December 7. Since that date is a Monday this year, the final weekend falls on December 5 and 6.

A walk-through of the application itself is on steps to enroll in Medicare Advantage for 2027, and changing a plan through Medicare’s website is covered on how to change Medicare plans online.

January 1 to March 31, 2027: Effective Dates by Month

Change submitted in New coverage starts
January 2027 February 1, 2027
February 2027 March 1, 2027
March 2027 (by March 31) April 1, 2027

One change per person in this window; it is limited to people already in a Medicare Advantage plan.

Plan for the lag: Because changes start the following month, someone who switches on March 31 stays in the old plan through the end of March. Any care received before April 1 is billed under the old plan’s rules.

What Is Different in the 2027 Rules

Rule points for this cycle, from the CMS 2027 final rule and current Medicare guidance

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A proposal to let any provider network change, not only a significant one, open a switch window was not finalized; the significant-change standard stays.

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CMS confirmed that certain case-by-case windows, including exceptional circumstances, require its approval.

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Dual special needs plans that passively enroll members must give a 120-day continuity-of-care transition period.

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The monthly window for people with Medicaid or Extra Help, introduced in 2025, continues with its limits.

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The Part D out-of-pocket cap rises to $2,400 for 2027, with a maximum deductible of $700.

Benefit expectations, not rules, are the subject of possible changes to Medicare Advantage plans in 2027.

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Our Analysis of CMS 2027 Plan Data: Who Is Offering Plans This Cycle

Insurer brand Individual plans filed for 2027
UnitedHealthcare 822
Humana 793
Devoted Health 740
Aetna Medicare 651
Wellcare 210
HealthSpring 195

Our analysis of CMS 2027 plan data: 5,481 individual Medicare Advantage plans across 252 insurer brands, covering 3,131 counties. Employer, PACE and cost plans excluded. Plan counts are national; availability depends on your county, and benefits vary by plan.

Those six brands together filed 3,411 plans, about 62% of all individual plans for 2027. Local and regional insurers often lead in particular counties, though, so the national ranking says little about the choices in any one area.

Deadlines That Run Past December

1

December 8, 2026 to February 28, 2027 Members of a plan that is not renewing for 2027 can still choose a replacement.

2

January 1 to March 31, 2027 Current members can make one change or return to Original Medicare.

3

December 8, 2026 to November 30, 2027 Anyone can move once into a 5-star plan if one serves their area.

4

Any month in 2027 Qualifying events, such as a move or a change in Medicaid, open their own windows.

Date math for late deciders: Someone who misses December 7, 2026 while already in a plan can still switch in January 2027, but the new plan would not begin until February 1, 2027. That leaves the month of January under the renewed 2027 version of the old plan, so reviewing it now can still save a month of unexpected costs.

Those situation-based openings are compared side by side on when you can switch Medicare Advantage plans for 2027.

Bottom Line

The Bottom Line

The 2027 enrollment cycle centers on October 15 to December 7, 2026, with coverage starting January 1, 2027. After that, members still have the January to March window, members of departing plans have until February 28, and the 5-star window stays open until November 30, 2027.

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Frequently Asked Questions

➤ What day of the week does the 2027 enrollment period end?

It ends on Monday, December 7, 2026. Applications received after that day generally cannot start January 1 unless a Special Enrollment Period applies.

➤ When will 2027 Medicare Advantage plans be visible to compare?

Plans can begin marketing 2027 coverage on October 1, 2026, and Medicare’s Plan Finder generally shows 2027 plans in early October, ahead of the October 15 start.

➤ Is the Medicare Advantage enrollment period longer for 2027?

No. The fall window has the same fixed dates each year, October 15 to December 7, which works out to 54 days.

➤ If I switch on February 15, 2027, when does the new plan start?

March 1, 2027. Changes in the January to March window take effect on the first day of the month after the request.

➤ Is the average Medicare Advantage premium lower for 2027?

CMS projects the average 2027 premium at $12.00 a month, down from $14.37. Your plan’s actual premium depends on the plan and county.

➤ What is the Part D out-of-pocket cap for 2027?

The cap on out-of-pocket spending for covered Part D drugs is $2,400 in 2027, and it applies to drug coverage inside Medicare Advantage plans as well.

➤ When is the next enrollment period after this one?

The fall window for 2028 coverage runs Friday, October 15 through Tuesday, December 7, 2027.

➤ Did the 2027 Star Ratings affect enrollment dates?

The ratings do not move the dates, but a plan rated 5 stars for 2027 can be joined once between December 8, 2026 and November 30, 2027.

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TTY users 711  |  Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

No obligation to enroll

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

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