Annual Enrollment is open until December 7, 2026. Check your plan for 2027.

Inside the window you can:

• Join, switch, or drop a Medicare Advantage plan
• Join, switch, or drop a Part D drug plan
• Leave Medicare Advantage and go back to Original Medicare

Whatever you choose starts January 1. If you do nothing, your plan renews as it is, with whatever changes it made for the new year.

Every Medicare Advantage and Part D plan mails its members an Annual Notice of Change in September. It is the letter that says what your plan is changing for next year, and it is where to start.

• Your doctors and hospitals. Networks change every January. Check each doctor you would hate to lose against next year’s network, not this year’s.
• Every drug you take. Look each one up on next year’s drug list, at your dose. A drug that moves up a tier can cost more over a year than the difference in premium between two plans.
• Your pharmacy. A plan’s preferred pharmacies can change, and the same drug can cost a different amount at each one.
• The ceiling on drug costs. For 2027, the most anyone pays out of pocket for covered Part D drugs is $2,400, and a plan’s drug deductible can be as high as $700.

If the letter went out with the recycling, your plan will send another copy. Or bring your plan card to the call and we will look it up with you.

Annual Enrollment is not a Medicare Supplement window. Colorado has no birthday rule and no yearly do-over, so outside a few specific situations, applying for a Medigap policy means answering health questions, and the carrier can say no.

That matters most if you are thinking of leaving Medicare Advantage for Original Medicare. Leaving is the easy half. Find out whether a Medigap policy would accept you before you give up the plan you have.