Every year, some Medicare Advantage plans may leave the Medicare market (PDF 3.65MB) by Dec. 31. You should receive a letter from your plan by Sept. 30 explaining your options.
When can I enroll in a new plan?
You have two opportunities to change plans:
- Special Enrollment Period: Dec. 8, 2025 - Feb. 28, 2026
- Medicare Advantage plan Open Enrollment Period: Jan. 1 – March 31, 2026
Because your plan is leaving Medicare, you also qualify for a Special Enrollment Period and have two options to consider between Dec. 8 and the last day of February:
- Option 1: Join a different Medicare Advantage plan. Use the online Medicare Plan Finder to explore your options. Check out our video on how to use the Plan Finder tool.
- Option 2: Enroll in a Medigap (Medicare Supplement) plan (PDF 13.27MB). The Medigap company offering the plan must take you if you choose a B-N plan (PDF 449.61KB). They cannot deny you coverage. Note: If you're under age 65 on Medicare due to disability, your options are more limited, but we can help.
For most people, you will also enroll in a Medicare Part D prescription drug stand-alone plan. You can use the online Medicare Plan Finder tool to explore your options.
Whichever option you choose, your new plan will start on the first day of the month after you switch. Sign up with a new plan before Dec. 31 to avoid a coverage gap.