Don't miss your window.
Health insurance runs on deadlines. Here's the calendar for Medicare and Marketplace plans, plus a tool to find your personal Medicare dates.
- Medicare Annual Enrollment
- Oct 15 – Dec 7
- 2027 Marketplace Open Enrollment
- Nov 1, 2026 – Jan 15, 2027
- For Jan 1, 2027 coverage
- Enroll by Dec 15, 2026
- Advantage & Part B General Enrollment
- Jan 1 – Mar 31
Where the calendar stands.
Marketplace dates shown are for 2027 coverage on HealthCare.gov (North Dakota) and CoverME.gov (Maine).
Find your Medicare enrollment window.
Enter your date of birth. Nothing is saved or sent anywhere.
- You turn 65
- —
- Initial Enrollment
- —
- Earliest coverage
- —
- Medigap open enrollment
- —
If you sign up in the three months before your birthday month, coverage starts the first day of your birthday month. Sign up later in the window, and coverage starts the first of the month after you sign up. Still working with employer coverage? Your timing may be different. Ask Harry →
Windows that open on their own.
- Losing coverage
Losing job-based or other qualifying coverage usually opens a 60-day Special Enrollment Period for Marketplace plans.
- Turning 26
Aging off a parent's plan opens a 60-day Special Enrollment Period.
- Moving, marriage, a new baby
Each can open a Special Enrollment Period. Call Harry before the clock runs out.
- Medigap open enrollment
Six months starting the first month you're 65 or older and enrolled in Part B. It doesn't repeat.
Not sure which window you're in?
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