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Can I change my Medicare plan?
Start with the coverage you want to change.
1 Medicare Advantage or Part D?
October 15–December 7: Join, switch, or drop a plan if eligible. Changes generally start January 1.
2 Already in Medicare Advantage?
January 1–March 31: Make one change to another Advantage plan, or return to Original Medicare and join a drug plan.
3 A move or loss of coverage?
A Special Enrollment Period may apply. The event, deadline, and allowed changes matter.
4 New to Medicare—or considering Medigap?
First-time enrollment and Medigap have separate rules. Check your rights before leaving a plan.
Before you switch
Check doctors, prescriptions, total costs, and the new start date. Confirm Medigap availability if you want it.
Source: Medicare.gov • Reviewed September 2026
Get help checking your enrollment window
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Details, checklist & official sources
This graphic is a summary. The companion guide explains qualifications and gives you a next-step checklist.
Read the companion guide