When is the Annual Enrollment Period?

October 15 through December 7 every year, for coverage starting January 1.

What is a Special Enrollment Period?

A window triggered by life events — moving, losing employer coverage, or qualifying for Extra Help.

You may face late-enrollment penalties and have to wait for the General Enrollment Period (Jan 1 – Mar 31).

Medicare Learning Center

Missing the right enrollment window can cost you lifetime penalties. Here's exactly when you can enroll, switch, or change Medicare coverage.

Quick answers about enrollment periods.

No pressure, no cost — a licensed advisor will review your specific situation and explain your best options in plain English.