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 7

Join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Medicare Advantage Open Enrollment (OEP)

Jan 1 – Mar 31

Already 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 month

Your 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)

Oct 15 – Dec 15 (Idaho)

Idaho runs its own exchange (Your Health Idaho) and opens earlier than the federal Marketplace — the yearly window to enroll in or change an Affordable Care Act plan. Enroll by Dec 15 for January 1 coverage.

ACA Open Enrollment (HealthCare.gov)

Nov 1 – Jan 15 (Missouri & most states)

The yearly window to enroll in or change an Affordable Care Act plan on the federal Marketplace. Enroll by Dec 15 for coverage starting January 1, or by Jan 15 for February 1.

Special Enrollment Periods (SEP)

Triggered by life events

Moving, 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 Medicare visit or, for Medicare or ACA, give us a call and we'll sort it out together.