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Rules for Switching Medicare Plans

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 8, 2026

You can switch Medicare Advantage and Part D plans during Annual Enrollment, October 15 to December 7, 2026, and Medicare Advantage members get one more change from January 1 to March 31, 2027; other times you need a Special Enrollment Period. Medigap has separate rules.

Medigap can be changed at any time, but outside your Medigap Open Enrollment Period or a guaranteed issue right, insurers in most states can use health questions. Some states have extra switching rights, so check your state’s rules.

See Medicare plans 2027.

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

Key Highlights

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AEP: Oct 15 to Dec 7, 2026.

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MA OEP: Jan 1 to Mar 31, 2027.

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SEPs for qualifying events.

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Medigap switches may need underwriting.

Compare plans and enroll online

Enrollment Windows

Window Dates What You Can Do
Annual Enrollment Period October 15 to December 7, 2026 Switch Medicare Advantage or Part D plans, or move between MA and Original Medicare
Medicare Advantage Open Enrollment January 1 to March 31, 2027 One change for MA members: another MA plan or Original Medicare with Part D
Special Enrollment Periods After qualifying events Change plans when you move, lose coverage, your plan ends and more
Initial Enrollment Period Around when you first get Medicare Choose your first coverage
Medigap Open Enrollment 6 months from the month you are 65+ and in Part B Buy Medigap without health questions

Switching Rules by Type of Move

Switch Key Rule
Medicare Advantage to another MA plan Annual Enrollment, MA Open Enrollment or an SEP
Medicare Advantage to Original Medicare Same windows; add Part D; Medigap may require health questions
Original Medicare to Medicare Advantage Annual Enrollment or an SEP
One Medigap plan to another Any time, but health questions usually apply outside guaranteed issue
One Part D plan to another Annual Enrollment or an SEP

What is Medicare Advantage

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Guaranteed Issue Rights

If your Medicare Advantage plan leaves your area or ends, you generally have a guaranteed issue right to buy certain Medigap plans, generally within 63 days after coverage ends. Keep your non-renewal letter as proof.

Guaranteed issue: if your Medicare Advantage plan leaves your area, you generally can buy certain Medicare Supplement plans without health questions, until 63 days after your coverage ends.

Switching Without Mistakes

Step by Step

1

Do not cancel your old coverage first. Enrolling in a new plan usually ends the old one automatically.

2

Get Medigap approval before dropping a plan. Health questions can lead to a denial.

3

Keep Part D or equivalent coverage. Gaps can mean a late enrollment penalty.

4

Check effective dates. Know exactly when the new plan starts.

5

Keep confirmation numbers. You may need proof later.

Enrollment Periods

Enrollment Period Dates What You Can Do
Annual Enrollment Period October 15 to December 7, 2026 Join, switch or drop a Medicare Advantage or Part D plan for January 1, 2027
Medicare Advantage Open Enrollment January 1 to March 31, 2027 If you are in Medicare Advantage, switch to another plan or return to Original Medicare once
Initial Enrollment Period 7 months around your 65th birthday month Sign up for Medicare and choose your first plan
Special Enrollment Periods Varies Change plans after events like moving, losing other coverage or your plan leaving your area

Most people make changes during Annual Enrollment. If you are happy with your current plan, you do not have to do anything; it renews automatically. Still, read your Annual Notice of Change, because premiums, copays, networks and drug lists can all change on January 1.

Enrollment Periods and Eligibility for Medicare Advantage

Reading Your Annual Notice of Change

Check Every Line

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Your 2027 premium and deductible

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Copays for doctors, specialists and hospital stays

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The out-of-pocket maximum

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Updates to your formulary, drug tiers and coverage requirements

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Whether your doctors, hospitals and pharmacy are still in network

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Changes to dental, vision, hearing and other extras

Plans must send the Annual Notice of Change by September 30. It is the single most useful document you get each fall, because it tells you exactly how your plan changes on January 1.

Special Enrollment Periods

Outside the fall and early-year windows, you generally need a Special Enrollment Period to change plans. Common reasons include:

You May Qualify If

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Your plan is leaving your area or ending

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You move outside your plan’s service area

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You lose employer or union coverage

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You qualify for Extra Help or a Medicare Savings Program, or your Medicaid status changes

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You want to join a 5-star plan, once a year

Each Special Enrollment Period has its own time limit, so act as soon as the event happens.

Prior Authorization and Referrals

Most Medicare Advantage plans require prior authorization for some services, such as certain surgeries, advanced imaging, skilled nursing stays and some drugs. Your doctor usually requests it, but ask whether a planned service needs approval so a denial does not surprise you.

If a request is denied, you or your doctor can appeal. Medicare rules set deadlines for plans to decide, with faster deadlines when waiting could seriously harm your health.

Emergency, Urgent and Out-of-Area Care

Every Medicare Advantage plan covers emergency care and urgent care anywhere in the U.S., in or out of network, and you do not need prior approval for an emergency. Routine care away from home is a different story: HMOs generally do not cover it, while PPOs cover out-of-network care at a higher cost.

If you spend months away from home each year, ask each plan how it handles care in your second location. It is one of the most common reasons people switch plans mid-year.

Appeals and Complaints

If your plan denies a service, a drug or payment for care, you have the right to appeal. The plan’s denial notice explains how. There are several levels of appeal, starting with the plan and moving to independent reviewers.

For problems that are not about coverage, such as customer service or wait times, you can file a grievance with the plan. You can also contact 1-800-MEDICARE or your State Health Insurance Assistance Program for help.

The 2027 Part B Premium

The Part B premium is the one big number not released with the plans. CMS normally announces it in November. The 2026 Medicare Trustees Report projects a 2027 standard premium of about $209.50 a month and a deductible of about $292, up from $202.90 and $283 in 2026. You keep paying it with Medicare Advantage.

If You Miss December 7

If you miss the Annual Enrollment deadline, your current plan renews automatically for 2027, with the changes in your Annual Notice of Change. If you are in Medicare Advantage, you get one more chance from January 1 to March 31, 2027, to switch Medicare Advantage plans or return to Original Medicare and join a Part D plan.

Telehealth

Many Medicare Advantage plans may cover telehealth visits for some services, sometimes at a lower copay than an office visit. Telehealth is convenient for follow-ups and minor issues, but it does not replace confirming that your regular doctors are in network.

Pros and Cons of Medicare Advantage

Advantages

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Often a low or $0 premium

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A yearly out-of-pocket maximum

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Drug coverage usually included

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Many plans may include dental, vision and hearing benefits

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One card and one plan

Tradeoffs

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Networks; HMOs require in-network care except emergencies

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Prior authorization and referrals are common

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Copays add up if you use a lot of care

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Plans and networks can change every year

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Switching to Medigap later may require health questions

Special Needs Plans

Special Needs Plans (SNPs) are Medicare Advantage plans built for specific groups. Benefits, networks and drug lists are designed around the members they serve, and many include care coordinators. For 2027, Special Needs Plans are one of the few areas where large insurers are adding plans, even as they cut PPOs.

Type Who Qualifies What Is Different
Dual Special Needs Plan (D-SNP) People with both Medicare and Medicaid Coordinates both programs; often very low costs and added benefits
Chronic Condition SNP (C-SNP) People with qualifying conditions such as diabetes, heart failure or chronic lung disease Doctors, drugs and programs built around the condition
Institutional SNP (I-SNP) People living in a nursing home or who need that level of care at home Care delivered where the member lives

Turning 65 in 2027

If you turn 65 in 2027, your Initial Enrollment Period lasts seven months: the three months before your birthday month, your birthday month and the three months after. Signing up during the first three months means your coverage starts on the first day of your birthday month.

Turning 65 Checklist

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Sign up for Part A and Part B, unless you have qualifying employer coverage and choose to delay Part B

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Decide between Medicare Advantage and Original Medicare with Medigap

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Join a drug plan, or a Medicare Advantage plan with drugs, to avoid a Part D late penalty

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If you choose Medigap, buy during your six-month Medigap Open Enrollment Period

Star Ratings

Medicare rates every Medicare Advantage and Part D plan from 1 to 5 stars each fall, based on things like preventive care, how well the plan manages chronic conditions, member complaints, customer service and drug pricing accuracy. The ratings are shown in Medicare Plan Finder.

Using Star Ratings

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A rating of 4 stars or higher is generally a good sign of quality and service

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Five-star plans have a special enrollment period, so you can switch into one once during the year

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New plans may not have a rating yet, which is not a bad sign by itself

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Ratings measure the plan overall, not how well it covers your specific doctors and drugs

Help Paying Medicare Costs

If your income and savings are limited, two programs can cut your Medicare costs sharply:

Medicare Savings Programs

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Run by your state Medicaid office

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Can pay your Part B premium, and sometimes deductibles and coinsurance

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Income and asset limits vary by state

Extra Help (Part D)

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Run by Social Security

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Lowers Part D premiums, deductibles and copays

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People in a Medicare Savings Program qualify automatically

Those who are eligible for Medicare along with full Medicaid might also have the option of enrolling in a Dual Special Needs Plan. Learn more about help for low-income Part D beneficiaries.

If a Drug Is Not Covered

Sometimes a drug you take is not on a plan’s 2027 formulary, or it carries a rule like prior authorization. You still have options:

If Your Drug Is Not Covered

1

Ask for a transition fill. In the first 90 days of a new plan year or a new plan, plans generally must give you a temporary supply of a drug you were already taking, so you have time to switch or request an exception.

2

Ask your doctor about alternatives. A covered drug in the same class may work as well and cost less.

3

Request a formulary or tiering exception. Your doctor submits a statement explaining why you need the drug or a lower copay. Plans must decide within set time limits.

4

Appeal a denial. If the plan says no, you can appeal, and there are several levels of review.

See steps to appeal a Medicare Part D denial.

Part D Drug Coverage in 2027

$700

Maximum 2027 Part D deductible, up from $615.

$2,400

2027 Part D out-of-pocket cap, up from $2,100.

About $36

Average 2027 standalone Part D premium, up less than $1 (CMS).

$7

Projected average drug portion of a Medicare Advantage premium for 2027, down from $11.32.

Tier Typical Drugs Typical Cost
Tier 1 Preferred generics Lowest copay
Tier 2 Generics Low copay
Tier 3 Preferred brand-name drugs Moderate copay
Tier 4 Non-preferred drugs Higher copay or coinsurance
Tier 5 Specialty drugs Highest coinsurance

Tier structures vary by plan. Check each plan’s formulary.

Your Medigap Open Enrollment Period in Detail

Your six-month Medigap Open Enrollment Period starts the first month you are both 65 or older and enrolled in Part B. It happens only once and cannot be restarted. During it, insurers must sell you any Medigap plan they offer in your state, at the same price as people in good health.

If you keep working past 65 with employer coverage and delay Part B, your Medigap Open Enrollment Period waits until you enroll in Part B. Enrolling in Part B early, when you do not need it, starts the clock and can waste this protection.

Switching From Medicare Advantage to Medigap

Step by Step

1

Check whether you have a guaranteed issue right. For example, your plan is ending or you are within your first year of Medicare Advantage.

2

If not, check your state’s rules. Some states give extra rights; most allow health questions.

3

Apply for Medigap before you leave Medicare Advantage. Make sure you are approved first.

4

Join a Part D plan. Medigap does not cover drugs.

5

Leave Medicare Advantage at the right time. During Annual Enrollment or the January to March window.

Medigap With Employer or Retiree Coverage

If you have coverage from a current employer, you may not need Medigap yet, and delaying Part B can preserve your Medigap Open Enrollment Period for later. Retiree coverage is different: it may work like a supplement, so compare it with Medigap before dropping it, because you may not be able to get retiree coverage back.

When employer or union coverage that pays after Medicare ends, you generally have a guaranteed issue right to buy certain Medigap plans.

Pre-Existing Condition Waiting Periods

If you buy Medigap during your open enrollment period or with a guaranteed issue right, you generally cannot be denied or charged more for health conditions. However, if you did not have creditable coverage before, an insurer may impose a waiting period of up to six months before covering costs for a pre-existing condition. Prior creditable coverage reduces or removes that waiting period.

The 30-Day Free Look Period

If you replace one Medigap policy with another, you generally get 30 days to decide whether to keep the new policy. Pay the premiums for both during that time, and do not cancel your old policy until you are sure about the new one.

How to Read a Medigap Quote

Check Each Quote For

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Plan letter, so you compare like with like

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Monthly premium and any first-year or enrollment discount

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Pricing method: community, issue-age or attained-age

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Household or payment discounts applied

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Effective date and any application conditions

If a quote includes an introductory discount, ask what the premium becomes after it ends.

Common Medigap Mistakes

Avoid These

1

Missing your open enrollment period. Later, health questions may apply.

2

Choosing on today’s price alone. Pricing method and rate history matter.

3

Forgetting Part D. The late penalty is permanent.

4

Dropping Medigap for Medicare Advantage without a plan to return. Getting back may require health questions.

5

Canceling a policy before a new one is approved. You could be left without coverage.

Medigap and Medicaid

If you have full Medicaid, you generally do not need Medigap, and insurers generally cannot sell you a policy that duplicates Medicaid benefits. If you qualify for a Medicare Savings Program, it may pay your Part B premium and, in some cases, deductibles and coinsurance; check whether a Medigap policy still adds value for you.

What Original Medicare Leaves You to Pay

A Medicare Supplement plan is built to cover the gaps in Original Medicare. These are the costs it can pick up:

Original Medicare Gap What It Means for You Covered By
Part A deductible A deductible for each hospital benefit period, not once a year. It was $1,736 in 2026. Plans B, C, D, F, G and N in full; K, L and M in part
Part A hospital coinsurance Daily charges after day 60 of a hospital stay, rising after day 90 All 10 plans, plus 365 extra hospital days
Part B deductible A yearly deductible before Part B pays. It was $283 in 2026. Only Plans C and F
Part B coinsurance Usually 20% of the approved amount, with no yearly cap All plans (K and L in part, N with copays)
Part B excess charges Up to 15% above the approved amount from doctors who do not take assignment Plans F and G
Skilled nursing coinsurance Daily charges from day 21 to day 100 of a covered stay Plans C, D, F, G, M and N (K and L in part)
Emergency care abroad Original Medicare generally does not cover care outside the U.S. Plans C, D, F, G, M and N, up to plan limits

No cap without a supplement: Original Medicare has no out-of-pocket maximum. Without a Medigap plan or other coverage, there is no limit to the 20% you can owe on Part B services.

Getting Help

You do not have to compare plans alone, and you should not have to pay for help. These are the free options:

Free Help Comparing Plans

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Medicare Plan Finder on Medicare.gov, available any time

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1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week

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Your State Health Insurance Assistance Program (SHIP), which offers free, unbiased counseling

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A licensed insurance agent or broker, who can compare plans from several insurers at no cost to you

Before any call, have your Medicare card, your list of drugs and doses, your doctors and your preferred pharmacies ready. It turns a long conversation into a short one.

Bottom Line

The Bottom Line

Know your window before you switch, and never drop coverage until the new plan or Medigap policy is approved.

Compare plans and enroll online

Frequently Asked Questions

➤ When can I switch Medicare plans for 2027?

You can switch during Annual Enrollment, October 15 to December 7, 2026, with new coverage starting January 1, 2027. Medicare Advantage members can also make one change from January 1 to March 31, 2027. Special Enrollment Periods cover other times.

➤ What is a Special Enrollment Period?

A Special Enrollment Period lets you change plans outside the usual windows after certain events, such as moving, losing other coverage or your plan ending. Each one has its own time limit, so act quickly.

➤ Can I switch Medigap plans any time?

You can apply to switch Medigap plans at any time, but outside your Medigap Open Enrollment Period or a guaranteed issue right, insurers in most states can ask health questions and may decline you. Some states give extra rights, so check your state’s rules before you apply.

➤ What happens if my Medicare Advantage plan is ending?

You get a non-renewal letter, and coverage continues through December 31, 2026. You get a Special Enrollment Period and generally a guaranteed issue right to buy certain Medigap plans, generally within 63 days after coverage ends.

➤ Can I switch from Medicare Advantage back to Original Medicare?

Yes, during Annual Enrollment or the Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027. Add a Part D plan, and expect Medigap health questions unless you have a guaranteed issue right.

➤ Do I need to cancel my old plan when I switch?

Usually not. Enrolling in a new Medicare Advantage or Part D plan generally ends your old plan automatically, but cancel a Medigap policy only after your new coverage is approved and in effect. Confirm effective dates.

➤ Can I switch Part D plans during the year?

Generally only during Annual Enrollment or with a Special Enrollment Period, such as moving or qualifying for Extra Help. Medicare Advantage members can change drug coverage during the January to March window. Plan your choice carefully in the fall.

➤ Do some states have extra Medigap switching rights?

Yes, some states give extra rights to switch Medigap plans without health questions, such as yearly birthday-type windows or year-round guaranteed issue. Check your state’s rules with your State Health Insurance Assistance Program. Rules can change.

➤ How many times can I switch during Medicare Advantage Open Enrollment?

You can make one change between January 1 and March 31, 2027, either to another Medicare Advantage plan or to Original Medicare with a Part D plan. The change takes effect the first day of the next month.

➤ Is there a free look period when switching Medigap?

Yes, when you buy a new Medigap policy you generally get 30 days to decide whether to keep it. You pay both premiums during that time, so plan the overlap before you cancel your old policy.

Have Questions?

Speak with a licensed insurance agent

1-855-398-0716

TTY users 711

Mon-Fri: 8am-9pm ET

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

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