Medicare Advantage Open Enrollment: Key Insights and Guidance for 2026

The Medicare Advantage open enrollment period occurs annually from January 1 to March 31. During this time, current Medicare Advantage plan members have the opportunity to leave their plan and revert to Original Medicare, enroll in Part D prescription drug coverage, or switch to another Medicare Advantage plan. This period allows only one plan change, underscoring the importance of making well-informed decisions based on comprehensive plan comparisons. Trained Medicare SHIP counselors offer free, unbiased assistance in evaluating plan options for beneficiaries. Medicare beneficiaries often show interest in vision and dental coverage, which are not included in Original Medicare. Some individuals inadvertently enroll in Medicare Advantage plans believing these plans add such benefits to Original Medicare. In reality, enrolling in Medicare Advantage replaces Original Medicare. Those who wish to return to Original Medicare can do so during this open enrollment period. Additionally, the Medicare General Enrollment Period commences in January through March 2026, targeting individuals who become newly eligible for Medicare Part A or Part B and have not yet enrolled. It is essential for eligible persons to utilize this window to secure their Medicare benefits. The Medicare SHIP Program plays a crucial role by connecting beneficiaries with potential money-saving options, such as extra help and Medicare Savings Programs. SHIP operates independently and does not sell insurance but provides valuable guidance and benefits checkups to Medicare enrollees. The program encourages beneficiaries to contact the Benefits Enrollment Center for personalized assistance.