Medicare's Annual Enrollment Period: October 15 – December 7
Is your Medicare plan changing for next year?
Medicare's Annual Enrollment Period runs October 15 through December 7. It's your yearly chance to switch plans, no matter why. If your plan is being discontinued, your doctor left the network, or your PPO is getting cut back, this is the time to fix it. Let's figure out your options, at no cost, in about 15 minutes.
Got a letter from Hoag about your 2027 plan? See your options →
Chris Frasca Insurance Services · California Insurance License No. 0L86243
Leave your number and I'll call you
No obligation and no cost. Tell me a good time and I'll reach out.
Something changed with your coverage
Your plan is being discontinued
You got a letter saying your Medicare Advantage plan won't be offered next year, or is leaving your area.
Your doctor left the network
Your medical group or hospital system is no longer in-network with your plan, sometimes with little warning.
Your PPO is being cut back
Your plan is dropping PPO options or shrinking what's covered out-of-network.
Where we are in Annual Enrollment
- Oct 12027 plan details posted
- Oct 15Annual Enrollment opens
- Dec 7Last day to make a change
- Jan 1New coverage starts
Annual Enrollment runs October 15 through December 7.
See what CMS has published about 2027 changes in California →
A no-cost review, in three steps
Annual Enrollment runs October 15 through December 7. A plan you choose during it starts January 1.
We talk it through
- 15 minutes, by phone or in person
- Bring your notice letter if you have one
We check your options
- Confirm your doctors are covered
- Review plan options available to you
You decide, no pressure
- Enroll if you find a better fit
- Or simply walk away informed
Quick answers
What is Annual Enrollment, and when does it end?
Annual Enrollment runs October 15 through December 7 every year. During that time, anyone with Medicare can switch Medicare Advantage plans, switch Part D drug plans, or move between Original Medicare and Medicare Advantage, and you don't need a special reason. Changes start January 1. After December 7, your options get much narrower.
My Medicare Advantage plan is being discontinued. What happens now?
During Annual Enrollment (October 15 through December 7), you can shop for and enroll in a new plan no matter what timeline your plan gave you for ending. You don't need a special qualifying event, because Annual Enrollment gives everyone that same flexibility. And you can look at your options with me before October 15 so you're ready.
My doctor is no longer in-network. What are my options?
During Annual Enrollment, you can switch to a plan in your area that keeps your doctors in-network, and you don't need a special reason. It's worth a quick, no-cost check before you assume you have to change doctors.
What if I miss the December 7 deadline?
After Annual Enrollment closes, your ability to make changes is much more limited. It's usually only possible if you have a specific qualifying event, like your plan being discontinued or a permanent move. That's why I'd check your options early, while you have the most flexibility.
Does this cost anything?
No. The insurance company pays me a commission, not you, and your premium is exactly the same whether you enroll through an agent or directly with Medicare.
Annual Enrollment is October 15 – December 7
A quick call could save you from a coverage gap or losing your doctors. It costs nothing to check, and once the window closes, your options narrow fast.