Ask a question

Questions & answers · Health insurance

When can I switch from traditional Medicare to a Medicare Advantage plan, or go back?

Health insuranceBuying a policyChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: Medicare.gov · Joining a plan View original ↗

In short

  1. You can only switch at certain times.
  2. Oct 15 to Dec 7 is Open Enrollment. Jan 1 to Mar 31 is for people already in an Advantage plan.
  3. Some life events give a special period.

What this means

Medicare.gov says you can only join, switch or drop a Medicare Advantage Plan at certain times, called enrollment periods [1]. Here are the main ones.

Open Enrollment, October 15 to December 7. You can join, drop or switch to another Medicare Advantage Plan. You can also switch from Original Medicare to a Medicare Advantage Plan, or back. Coverage starts January 1 of the next year. The plan must get your request by December 7 [1].

Medicare Advantage Open Enrollment, January 1 to March 31. This is only if you are already in a Medicare Advantage Plan. You can switch to another Advantage plan. You can also drop your plan and return to Original Medicare, and then join a separate drug plan [1].

A Special Enrollment Period is only for certain life events. Examples are moving to a new address, losing or changing your coverage, getting Medicaid, or getting Extra Help to pay drug costs [1]. The dates differ in each case.

Your next step

Note the deadline these sources give: for Open Enrollment, the plan must get your request to join by December 7 [1]. The sources do not say how to ask for a special period. The sources give no deadline.

Check it yourself

The Medicare.gov page lists more enrollment periods and the exact coverage start for each. Medigap rules are separate — "Don't know yet" from this page.

Where this comes from (1)

  1. [1] Medicare.gov · Joining a plan · checked 2026-11-06

    You can only join, switch, or drop a Medicare Advantage Plan (Part C) with or without drug coverage … Open Enrollment Period October 15-December 7 Join, drop, or switch to another Medicare Advantage Plan with or without drug coverage (or add or drop drug coverage). … Switch from Original Medicare to a Medicare Advantage Plan or from a Medicare Advantage Plan to Original Medicare. … January 1 of the next year (the pla…

How we found this

We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

Related answers

Answer id CQ4703. Spotted an error? Tell us.