The short answer
Your Annual Notice of Change explains next year's plan changes. Keep it with your coverage documents.
Your yearly Medicare checkup
Tell us how to reach you. Your topic is already selected. No cost or obligation.
Read your fall notice
Your Annual Notice of Change explains next year's plan changes. Keep it with your coverage documents.
Recheck what matters
Doctors, hospitals, drugs, pharmacies and total costs. Your needs and your plan can change.
Know the fall window
October 15–December 7: review Medicare Advantage and Part D choices. Changes generally start January 1.
Make a deliberate choice
You do not have to switch. Confirm your plan is continuing and still fits. Medigap has separate enrollment rights.
A question worth asking
Do I need to change plans each year?
No. A review helps you decide whether your current plan still meets your needs. Check notices about renewal, networks, drug coverage and costs. If your plan is ending, follow its notice and confirm your options and deadlines. Other qualifying events may provide separate enrollment opportunities.
Your next-step checklist
Use this for your own notes. Checkmarks are not sent to Finwell or saved when you leave.
Sources & review
Checked against the official sources below on September 13, 2026. General education, not an individual coverage or eligibility determination.
Your Annual Notice of Change — Medicare.govOpen Enrollment — Medicare.govCoverage and enrollment rules can change. Confirm the details for your situation with Medicare, Social Security, your state or the specific plan. Tell us if something needs clarification.
Keep learning
Make room for your questions
Prepare for a Medicare conversation for yourself or someone you support.
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