Insurance runs on windows. Miss one and you can wait a year — hit one and you're covered in weeks. Here is every enrollment window that matters, in order, with what to do in each.
Anyone on Medicare can join, switch or drop Medicare Advantage & Part D plans for Jan 1, 2027. The annual-review window — bring your doctor and medication lists.
Anyone can enroll or switch Marketplace plans for 2027. Historically through Jan 15 in most states — see the deadline note below. Enroll by mid-December for Jan 1 coverage.
Already on a Medicare Advantage plan? One switch to another MA plan or back to Original Medicare.
Job loss, moving, marriage, a baby, losing Medicaid and more open Special Enrollment Periods any time. All 12 events →
A 2025 federal rule would have ended Open Enrollment by December 15 on HealthCare.gov (Dec 31 for state exchanges) starting with 2027 coverage. A federal judge vacated that rule in June 2026; an appeal is possible, and several state exchanges set their own earlier deadlines regardless. Our advice either way: treat mid-December as your deadline and you can't lose. We update this page as the litigation moves.
Dental, vision & hearing · accident & hospital indemnity · cancer & critical illness · short-term medical · life insurance & annuities. All year-round. Open the Quote & Enroll Center →
Your 7-month Initial Enrollment Period wraps around your 65th birthday — and missing it can cost you for life. One call maps your exact dates.