10/14/2026
Tomorrow, October 15, Medicare's Annual Enrollment Period (AEP) opens. Here is what that actually means:
✔ You can make a coverage change any time from Oct 15 through Dec 7. Changes take effect January 1.
✔ Tomorrow is a starting line, not a deadline. December 7 is the deadline.
✔ You do not have to change at all. If your plan still fits after a review, staying put is a good outcome.
What helps most right now: write down questions as you read your Annual Notice of Change, the letter your plan mailed about 2027. Bring that list for review, and we will go through it together.