Timing
Enrollment Periods
Coverage can only be changed during certain windows. Here are the ones that matter most — and we'll help you act at the right time.
Medicare Annual Enrollment (AEP)
Oct 15 – Dec 7Join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open Enrollment (OEP)
Jan 1 – Mar 31Already in a Medicare Advantage plan? You get one chance to switch plans or return to Original Medicare.
Initial Enrollment Period (turning 65)
3 months before – 3 months after your 65th birthday monthYour first window to enroll in Medicare. We'll help you get Part A and Part B set up and choose coverage.
ACA Open Enrollment (Your Health Idaho)
Nov 1 – Dec 15 (Idaho)The yearly window to enroll in or change an Affordable Care Act plan for the coming year.
Special Enrollment Periods (SEP)
Triggered by life eventsMoving, losing other coverage, marriage, a new baby, and other qualifying events can open a window outside the normal periods. Ask us if you qualify.
Not sure which window applies to you? Schedule a visit and we'll sort it out together.