Millions of Americans are now exploring how to change Medicare plan as the 2025 open enrollment period unfolds. With updates from the Centers for Medicare & Medicaid Services (CMS) and noticeable shifts in costs and coverage, this year’s enrollment period is especially important for seniors looking to adjust their health plans. The Medicare open enrollment window began on October 15, 2025, and will continue until December 7, 2025, allowing beneficiaries to review, switch, or drop their Medicare coverage for changes that take effect on January 1, 2026.
What’s Changing in Medicare Enrollment for 2025
The Medicare Annual Election Period (AEP) continues to run from October 15 to December 7, providing the main opportunity to switch or drop plans. Beneficiaries can review their Medicare Advantage (Part C) or Prescription Drug (Part D) plans and make changes that fit their health needs. Additionally, the Medicare Advantage Open Enrollment Period (MA OEP) will run from January 1 to March 31, 2026, giving those already in a Medicare Advantage plan another chance to switch to a different plan or return to Original Medicare.
CMS has also updated the enrollment and disenrollment processes for 2026, introducing simpler digital forms and improved verification to reduce delays. With cost pressures rising on Medicare Advantage insurers and fewer standalone drug plan options available in 2025, experts are advising seniors to review their coverage carefully before the current enrollment window closes.
Why You Might Want to Change Your Plan
Many Medicare beneficiaries consider switching plans each year due to changes in coverage, costs, or personal circumstances. If your current plan is reducing benefits such as dental, vision, or hearing care, it may be time to explore other options. Similarly, if your preferred doctor or hospital is leaving your plan’s network, switching could help you maintain access to your usual care providers.
Your prescription drug needs might also have changed, and another plan’s drug formulary could better match your medications. Moving to a new area or state can also trigger a Special Enrollment Period, allowing you to make plan changes outside the usual enrollment windows. With expected cost increases in 2026, including higher Part B premiums and drug plan adjustments, reviewing your plan this year is a smart step toward saving money and maintaining quality coverage.
Step-by-Step Process to Change Your Medicare Plan
The process of changing your Medicare plan can be completed smoothly if you follow the right steps.
Step 1: Review Your Current Plan’s Annual Notice of Change (ANOC)
Each fall, your plan sends an ANOC outlining any changes for the coming year, including premium increases, updated drug formularies, and provider network changes. Reading this notice carefully ensures you are aware of any upcoming adjustments that may affect your costs or care.
Step 2: Compare Available Plans on Medicare.gov
Use the Medicare Plan Finder tool to compare available options in your area. You can view details about Medicare Advantage plans, stand-alone Part D drug plans, and supplemental Medigap policies. Check each plan’s premiums, deductibles, coverage, and out-of-pocket limits.
Step 3: Check Enrollment Windows
If you make changes during the AEP (October 15–December 7), your new plan starts on January 1, 2026. If you are enrolled in a Medicare Advantage plan, you can also use the MA OEP (January 1–March 31, 2026) to switch once more or go back to Original Medicare. Outside these windows, you must qualify for a Special Enrollment Period (SEP) due to a life event such as moving or losing current coverage.
Step 4: Select the Best Plan for Your Needs
Compare plans not just by price but also by benefits and provider access. For Medicare Advantage plans, verify that your doctors, hospitals, and pharmacies are included in the network. For drug coverage, confirm that your medications are listed in the formulary at reasonable costs.
Step 5: Enroll in the New Plan
Once you’ve chosen your new plan, you can enroll online through Medicare.gov, call 1-800-MEDICARE, or use a licensed insurance agent to assist with enrollment. Be sure to confirm your effective start date and payment arrangements to avoid coverage gaps.
Step 6: Verify Cancellation of the Old Plan
When switching from a Medicare Advantage plan back to Original Medicare or to another Advantage plan, confirm that your previous plan is properly canceled. This ensures you are not double-enrolled or charged unnecessary premiums.
Step 7: Review Coverage Annually
Even if you’re happy with your plan, review it every year during the enrollment period. Plans can change their costs and benefits annually, so it’s important to stay informed and make adjustments if needed.
Key Differences Between Original Medicare and Medicare Advantage
| Feature | Original Medicare (Part A & B) | Medicare Advantage (Part C) |
|---|---|---|
| Provider Access | Broad – any provider accepting Medicare | Limited to plan network, may need referrals |
| Drug Coverage | Requires separate Part D plan | Often included in the plan |
| Out-of-Pocket Maximum | No annual limit | Has a set yearly maximum |
| Extra Benefits | Minimal – needs Medigap for extras | Often includes dental, vision, hearing |
| Plan Changes | During AEP or SEP | During AEP and MA OEP |
This comparison highlights the main structural differences, helping beneficiaries make an informed decision before switching.
What to Expect in 2026
According to the latest projections, Medicare Part B premiums are expected to increase by about 11% in 2026, rising from $185 in 2025 to approximately $206.50. Stand-alone drug plans will also become fewer, with many regions offering fewer than ten available plans. These changes make the 2025 enrollment window especially significant, as switching plans now can help you secure better benefits and lower costs before the new pricing takes effect.
As more Medicare Advantage plans tighten their budgets, beneficiaries could face higher copayments or fewer extra benefits. Reviewing your options during the current period ensures that you remain in a plan that meets both your health and financial needs.
Final Thoughts
If you are considering how to change Medicare plan, take advantage of this open enrollment period to review your options and make timely changes. Assess your healthcare needs, compare available plans, and make sure you enroll before December 7, 2025 to avoid missing the window. Medicare plans evolve every year, and staying proactive ensures you get the best possible coverage for your situation. Share your thoughts or questions in the comments to help others navigating the same process.