What is the Initial Enrollment Period (IEP)?
The Initial Enrollment Period (IEP) is your first and most penalty-free chance to sign up for Medicare Parts A and B when you turn 65. This seven-month window starts three months before the month of your 65th birthday, includes the birthday month, and ends three months after.
For example, if your birthday is in May 2026, your IEP runs from February 2026 to August 2026. Coverage typically starts the first day of your birthday month if you enroll in the three months before, or the month after if later.
Missing the IEP without qualifying coverage triggers lifelong late enrollment penalties: 10% per year delayed on Part B premiums (added permanently), and potential Part A gaps if premiums apply.
Annual Open Enrollment Period (AEP): October 15 to December 7
The Annual Open Enrollment Period runs every year from October 15 to December 7. For 2026 coverage, it was October 15, 2025, to December 7, 2025—changes effective January 1, 2026.
During this time, all Medicare beneficiaries can join, switch, or drop Medicare Advantage (Part C) plans or Part D prescription drug plans.
Medicare Advantage Open Enrollment Period (OEP)
Distinct from AEP, the Medicare Advantage Open Enrollment Period spans January 1 to March 31, 2026. It’s limited to those already in a Medicare Advantage plan, allowing one switch to another Advantage plan or back to Original Medicare.
General Enrollment Period (GEP): January 1 to March 31
The General Enrollment Period (January 1 to March 31 annually) lets you sign up for Original Medicare Parts A and B if you missed IEP and lack other creditable coverage. Coverage begins the month after signup, but expect late penalties unless SEP-eligible.
Special Enrollment Periods (SEPs): Flexible Windows for Life Changes
Special Enrollment Periods (SEPs) offer anytime enrollment or changes outside standard periods for qualifying events, such as moving out of your plan’s service area (e.g., from New Braunfels to Canyon Lake) or losing employer coverage.
2026 Medicare Enrollment Deadlines and Penalties to Watch
Key 2026 dates: AEP (ended), Advantage OEP (Jan 1–Mar 31), GEP (Jan 1–Mar 31). Penalties are steep: 10% lifelong premium surcharge for Part B and 1% monthly for Part D.
Ready to Secure Your 2026 Medicare Coverage?
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