Selecting the Best 2026 Medicare Advantage Plans

You'll have 2 months after you get both Part A and Part B for the very first time to sign up with a strategy. Join any Medicare Advantage Strategy with or without drug coverage. The month after you sign up with the strategy. October 15-December 7. Sign up with, drop, or switch to another Medicare Benefit Strategy with or without drug coverage (or add or drop drug coverage). Switch from Original Medicare to a Medicare Benefit Strategy from a Medicare Benefit Strategy to Original Medicare.

January 1 of the next year.(only if you're currently in a Medicare Advantage Plan)January 1-March 31. Within the first 3 months you get Medicare.Switch to another Medicare Advantage Strategy with or without drug protection. Drop your Medicare Advantage Plan and go back to Original Medicare. You'll also be able to join a different Medicare drug plan.

Varies. Depending on your circumstance: Join a Medicare Benefit Plan (with or without drug coverage) or Medicare drug planSwitch to another planIf you sign up for Part A and/or Part B throughout a Special Enrollment Period because of an extraordinary situation, you'll have 2 months to join a plan or switch to another strategy.

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Typically, the first of the month after the plan gets your demand. Other times when you can join a health or drug plan.

How to Enroll in Medicare Part D

On August 25, 2026, CMS launched the "Medicare Benefit and Part D Registration and Disenrollment Guidance" memorandum by means of HPMS to announce the updates to the enrollment and disenrollment guidance for MA and Part D prepares for 2027. A short summary of the assistance updates, and the updated appendices, design notifications, and shows for MA and Part D plans are provided in different files.

This page includes registration and disenrollment guidance for Part D strategy sponsors and other parties interested in the policy and functional elements of Part D strategy registration and disenrollment. The guidance on this page covers the registration and eligibility arrangements set forth at 42 CFR 417, Subpart K, 42 CFR 422, Subpart B and 42 CFR 423, Subpart B.

To join Part Sign up with plan, an individual mustPrivate Need to Medicare Part A (Hospital InsuranceMedical Facility or Part B (Medical Insurance)Insurance Coverage There are six types of election periods: Preliminary Registration Duration for Part D (Part D IEP)Preliminary Protection Election Duration (ICEP)Yearly Coordinated Election Duration (AEP)Medicare Advantage Open Registration Period (MA OEP)Open Registration Duration for Institutionalized People (OEPI)Unique Election Durations (SEPs).

People entitled to Medicare Part A or enrolled in Part B are qualified for Prescription Drug Strategies (PDPs). The recipient needs to have both Components A and B protection to enroll in a Medicare Benefit Part D (MA-PD) plan. In addition, dual-eligible participants and beneficiaries with restricted income and resources who get approved for both Medicare and Medicaid are needed to enlist in a Medicare prescription drug program to preserve coverage for prescription medication.

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Filter to Enter your list of prescription drugs (names, does, frequency)The tool will reveal you prepares available in your location, with estimated costs (premiums, out-of-pocket)Usage filters or sort by "least expensive cost," "star score," etc, to discover plans that suit you When you choose a plan: Click under the plan you desire.

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Verify your personal and Medicare informationProvide any plan-specific details if promptedSubmit the enrollmentNote: In some cases, registration might redirect you to the strategy's own website to settle. After registering, you should get confirmation and can check enrollment status through your accountThe coverage effective date depends on when you enroll (for example, registering during the open registration duration provides coverage starting January 1 of the next year) If your income and resources are limited, you may certify for, which minimizes your Part D costs (premiums, deductibles, copays).