Low-Cost Family Health Insurance for 2026

You'll have 2 months after you get both Part A and Part B for the first time to sign up with a plan. Sign Up With any Medicare Benefit Strategy with or without drug coverage. The month after you sign up with the plan. October 15-December 7. Sign up with, drop, or switch to another Medicare Advantage Plan with or without drug coverage (or add or drop drug coverage). Change from Initial Medicare to a Medicare Advantage Plan from a Medicare Advantage Strategy to Original Medicare.

Within the first 3 months you get Medicare.Switch to another Medicare Benefit Strategy with or without drug coverage. Drop your Medicare Benefit Plan and return to Original Medicare.

Differs. Only for specific situations that happen in your life, like moving to a brand-new address, losing or altering your existing protection, getting Medicaid, or getting Additional Help to pay drug costs. Find out more about Special Enrollment Durations. Depending on your circumstance: Join a Medicare Advantage Plan (with or without drug protection) or Medicare drug planSwitch to another planIf you register for Part A and/or Part B throughout an Unique Registration Duration because of an exceptional circumstance, you'll have 2 months to join a strategy or switch to another plan.

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Normally, the first of the month after the strategy gets your demand. Other times when you can sign up with a health or drug strategy. If you joined a Medicare Benefit Strategy during your Preliminary Registration Period, you can change to another Medicare Advantage Strategy (with or without drug coverage) or return to Original Medicare (with or without a drug strategy) within the first 3 months you have Medicare Part A & Part B.For details about when you can join Medicare Cost Strategies, demonstrations/pilot programs, or the Program of Complete Care for the Elderly (RATE), contact the plans that provide these choices.

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On August 25, 2026, CMS launched the "Medicare Advantage and Part D Registration and Disenrollment Assistance" memorandum via HPMS to announce the updates to the enrollment and disenrollment assistance for MA and Part D plans for 2027. A brief summary of the assistance updates, and the updated appendices, design notices, and shows for MA and Part D plans are offered in different files.

Strategies may, additionally, use the updated guidance for AEP registrations efficient January 1, 2027. This page includes enrollment and disenrollment guidance for Part D plan sponsors and other parties thinking about the policy and operational aspects of Part D strategy registration and disenrollment. The guidance on this page covers the enrollment and eligibility arrangements set forth at 42 CFR 417, Subpart K, 42 CFR 422, Subpart B and 42 CFR 423, Subpart B.

To sign up with Part D strategy, an individual need to: Have Medicare Part A (Healthcare Facility Insurance Coverage) or Part B (Medical Insurance Coverage). Reside in the service location of the plan you wish to sign up with. Be a U.S. resident or legally present in the U.S.Complete an enrollment request throughout a valid election duration. There are 6 types of election durations: Preliminary Registration Duration for Part D (Part D IEP)Initial Coverage Election Period (ICEP)Yearly Coordinated Election Duration (AEP)Medicare Benefit Open Enrollment Duration (MA OEP)Open Enrollment Duration for Institutionalized People (OEPI)Special Election Durations (SEPs).

Individuals entitled to Medicare Part A or enrolled in Part B are eligible for Prescription Drug Strategies (PDPs). The recipient must have both Parts A and B protection to enroll in a Medicare Benefit Part D (MA-PD) plan. In addition, dual-eligible individuals and beneficiaries with restricted earnings and resources who get approved for both Medicare and Medicaid are needed to enlist in a Medicare prescription drug program to maintain protection for prescription medication.

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Filter to Enter your list of prescription drugs (names, dosages, frequency)The tool will show you prepares offered in your location, with estimated costs (premiums, out-of-pocket)Use filters or sort by "least expensive expense," "star rating," etc, to discover plans that match you Once you choose a plan: Click under the plan you desire.

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Confirm your individual and Medicare informationProvide any plan-specific details if promptedSubmit the enrollmentNote: In some cases, registration might redirect you to the plan's own website to finalize. After enrolling, you must get verification and can examine registration status by means of your accountThe coverage reliable date depends on when you enlist (for example, registering during the open enrollment duration offers coverage starting January 1 of the next year) If your earnings and resources are limited, you might qualify for, which minimizes your Part D costs (premiums, deductibles, copays).