Osborne Insurance Solutions

TODAY is the LAST day of the ACA Marketplace extended Open Enrollment. I’m available to help people shop the best options until midnight tonight. I must be crazy 🤪 😂

When can a current Medicare enrollee switch to or change Medicare Advantage plans?

Opportunities to enroll into or change existing Medicare Advantage plans are limited to the following:

🗓️ 1. Annual Enrollment Period (AEP)

Dates: October 15 – December 7 every year
What you can do:

Switch from Original Medicare to a Medicare Advantage plan

Switch from one Medicare Advantage plan to another

Drop your Medicare Advantage plan and go back to Original Medicare

Join, drop, or change a Medicare Part D (prescription drug) plan

When changes take effect:
✅ January 1 of the following year

🔄 2. Medicare Advantage Open Enrollment Period (MA OEP)

Dates: January 1 – March 31 every year
What you can do (only if you already have a Medicare Advantage plan):

Switch to a different Medicare Advantage plan (with or without drug coverage), or

Drop your Medicare Advantage plan and return to Original Medicare (and optionally join a Part D plan)

You can only make one change during this period.

When changes take effect:
✅ The first day of the month after your plan receives your request

⚡ 3. Special Enrollment Periods (SEPs)

You may qualify for an SEP outside of the above windows if you experience certain life events, such as:

Moving to a new area that isn’t covered by your current plan

Losing other creditable health coverage (like employer insurance)

Your plan ends its contract with Medicare

You qualify for Extra Help or Medicaid (these allow quarterly changes)

When changes take effect:
✅ Usually the first day of the month after enrollment

Do you know the difference between Medicare Part A, Part B, Part C, Part D, and Medicare Supplements? The alphabet soup of Medicare coverage can be confusing at first, but my job is to help simplify and remove the confusion to help you get they right coverage for your needs.

Medicare Annual Enrollment begins today, October 15th and ends December 7th for the 2026 plan year coverage selections.

There are a lot of changes to the Medicare program in 2026 and this has led to significant changes in Medicare Advantage and Part D Plans (PDP) plan benefits. Now is the time to review current plan's renewing 2026 benefits and compare against other plan options to insure you have the best coverage for your particular needs. Make sure to confirm any current prescriptions are still covered, your doctor and medical facilities are still in-network, and any other supplemental benefits such as dental, vision, hearing coverage still meets your needs.

Learn more at my website.

PlanEnroll - Find The Right Coverage For You