When is Medicare AEP? 2026 Dates and Enrollment Guide

The Medicare Annual Enrollment Period (AEP) runs from October 15 to December 7 each year. During this time, Medicare recipients can review their current coverage and make changes if needed. While there’s no obligation to take action, many beneficiaries find more affordable plans or improved coverage. Because Medicare plan details can change annually, comparing options each fall ensures your health and prescription drug needs are met for the coming year.

What is Medicare AEP?

The Medicare Annual Enrollment Period (AEP) is the yearly window when beneficiaries can review, switch, or update their Medicare coverage. It allows you to evaluate your Medicare Advantage or Part D plan to ensure it fits your current health needs.

Learn more about AEP 2026.

2026‑2027 AEP Timeline

AEP Medicare Rules: What You Can and Cannot Do

Navigating AEP rules can feel complicated, but SelectQuote is here to help. Understanding the simple do’s and don’ts ensures you make the most of all your options.

What You CAN Do During AEP

• Switch from Original Medicare to Medicare Advantage

• Switch from Medicare Advantage back to Original Medicare

• Change Medicare Advantage plans

• Change Prescription Drug plans (Part D)

What You CANNOT Do During AEP

• Enroll in Original Medicare for the First Time: Initial enrollment happens during your Initial Enrollment Period (IEP).

• Automatically Switch Medigap Policies Without Underwriting: Medigap coverage typically requires medical underwriting if you are outside your guaranteed issue period

Mistakes to Avoid During AEP

To make the most of AEP, avoid common errors:

• Assuming your current plan won't change next year

• Ignoring your Annual Notice of Change (ANOC) letter

• Shopping based only on the premium (ignoring out-of-pocket costs)

• Missing the strict December 7 deadline

Learn more about AEP mistakes to avoid.

Don’t navigate AEP alone. Let our team help you compare plans and find coverage tailored to your needs. And rest assured—we don’t disappear after enrollment. We’ll be here for continued support when life (or plans) change.