The Annual Enrollment Period runs October 15 to December 7. Here is the only prep that matters, and it takes ten minutes.
The runs October 15 through December 7. Anything you change takes effect January 1.
You do not need to do anything on October 15. What you do need is to have read your Annual Notice of Change before then — it arrives in September, it looks like junk mail, and it tells you exactly what your plan is changing for next year.
If either answer is no, that is the year to look at your options — and the window to do it closes December 7.
Erekle Niniashvili
Independent Medicare Broker
It is the most common and most expensive misunderstanding in retirement planning. Medicare covers skilled care, briefly, under conditions.
Read itYour employer has to tell you in writing whether its drug coverage is creditable. That letter is the cheapest insurance against a permanent penalty.
Read itThat is the normal state of things. Call or text Erekle and talk it through — no script, no obligation, and no fee to you for the conversation.
Erekle Niniashvili
Independent Medicare Broker
You reach Erekle directly, not a call center. If he is with someone, leave a message or send a text and he will get back to you.
AegisSage is not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048), or your local State Health Insurance Program (SHIP), to get information on all of your options.
Information current as of August 2026. Privacy notice