OPEN ENROLLMENT 2026–2027
Open Enrollment Is Here. Don't Miss Your Window.
Two enrollment windows. One place to get answers.
State Insurance Today is not connected with or endorsed by the U.S. government or the federal Medicare program.
Medicare Annual Enrollment
Oct 15 – Dec 7, 2026
Ends in
33 days, 10 hours, 27 minutes, 34 seconds remaining
ACA Marketplace Open Enrollment
Nov 1, 2026 – Jan 15, 2027
Enroll by Dec 15 for Jan 1 coverage — ends in
41 days, 10 hours, 27 minutes, 34 seconds remaining
State-run marketplaces may have different deadlines. Check your state's exchange.
Medicare Annual Enrollment: Oct 15 – Dec 7
Once a year, you can review and change your Medicare coverage. Changes usually take effect January 1.
What you can do during AEP:
- ✓Switch from Original Medicare to Medicare Advantage (or back)
- ✓Switch Medicare Advantage plans
- ✓Join, switch, or drop a Part D drug plan
Medicare Plan Types
Original Medicare (Parts A & B)
Run by the federal government. Part A = hospital. Part B = doctor visits and outpatient care.
Good to know: Doesn't cover most prescriptions — that's Part D.
Medicare Advantage (Part C)
Private plans that bundle Parts A, B, and usually D. May include extra benefits.
Good to know: Plans vary widely — compare carefully.
Part D (Drug Coverage)
Standalone prescription drug plans that work with Original Medicare.
Good to know: Formularies (covered drugs) differ by plan.
Medicare Supplement (Medigap)
Helps pay costs Original Medicare doesn't cover, like copays and deductibles.
Good to know: Can't be used with Medicare Advantage.
Talk to a Medicare Agent
Licensed agents available [HOURS — VERIFY]. TTY: 711
ACA Marketplace Open Enrollment: Nov 1 – Jan 15
If you're under 65 and need health insurance, this is your window to enroll or change plans. Enroll by December 15 for coverage starting January 1. [VERIFY]
ACA Metal Tiers
Bronze
Lowest premium, highest out-of-pocket. Good if you rarely use care.
Silver
Mid-range. Qualifies for cost-sharing reductions if your income is eligible.
Gold
Higher premium, lower out-of-pocket. Good if you use care regularly.
Platinum
Highest premium, lowest out-of-pocket. Best for high healthcare users.
Get ACA Plan Help — Free
Licensed agents available [HOURS — VERIFY]. TTY: 711
Frequently Asked Questions
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