WHEN CAN I CHANGE MY COVERAGE IN 2025?
Many people have to wait until Fall Open Enrollment to change their coverage if they aren’t happy with it. You may have the opportunity to change your coverage earlier in 2025, though, depending on your circumstances.
If you have a Medicare Advantage (MA) Plan:
MA Open Enrollment Period: The MA OEP occurs from January 1 thru March 31.
Switch MA Plans: You can switch from your MA Plan to another MA Plan.
Switch to Original Medicare: You can switch to Original Medicare with or without a standalone prescription drug plan.
If you have If you have Medicaid, a Medicare Savings Program, or Extra Help:
Enroll in a Part D plan or switch between plans: In 2025, you have a Special Enrollment Period, or SEP, to enroll in a stand-alone Part D plan or switch between them. This SEP is once per month. If you use this SEP to change your coverage, the change will become effective the first of the following month.
If you have Medicare and Medicaid,
Switch to Compliant Special Needs Plans: You can make a once-per-month change into certain Special Needs Plans that meet federal requirements for integration and that offer a Medicaid plan in your state. This SEP can only be used to enroll in both the Medicare and Medicaid portions of a plan-to align enrollment with an integrated Dual Special Needs Plan, also called a D-SNP, or Applicable Integrated Plan and a Medicaid Managed Care Organization.
If you qualify for a Special, Enrollment Period (SEP):
Special Enrollment Period (SEP): You may be able to changes your Medicare health or drug coverage depending on your circumstances.
For questions about SEPs, contact your local SHIP: shiphelp.org or 1-877-839-2675