Medicare open enrollment

Medicare Open Enrollment FAQs

This list of Frequently Asked Questions (FAQs) about the Medicare Open Enrollment period covers a range of topics related to enrollment, including Medicare Advantage, Part D, Medigap, and more.


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  • My husband and I are retired. He just turned 65 and is now covered by Medicare, but I am 62 and I don’t have health insurance. As the spouse of a Medicare beneficiary, can I enroll in Medicare during the Medicare Open Enrollment period?

  • I am in traditional Medicare and don’t want to make any changes to my coverage. How does the Medicare Open Enrollment period affect me?

  • I have Medicare Part A and Part B. I’ve heard about Part C and Part D, but I don’t know what those are. Do I need to sign up for those during the Medicare Open Enrollment period?

  • Can I change my Medicare coverage outside of the Medicare Open Enrollment period?

  • Is there a lifetime limit on the number of times a person can switch Medicare Advantage and Medicare Part D plans, or can I shop around and switch every year if I want to?

  • I didn’t sign up for Part B when I first became eligible, but want to sign up now. I know there is a penalty for late enrollment. Is there any way to avoid the penalty?

  • I am about to turn 65 and sign up for Medicare but I’m not sure what my options are for coverage. Where can I go for more information?

  • I am turning 65 next year. When can I sign up for Medicare?

  • I am turning 65 in a few months and want to go on Medicare. Will I be automatically enrolled in Parts A and B or do I need to sign up?

  • I am about to turn 65 and go on Medicare, and my income is $125,000. I know that people with higher incomes are required to pay higher premiums for Medicare Part B and Part D. How will these higher premiums affect me?