If you missed Medicare open enrollment, breathe. Yes, December 7 was the deadline, but all is not lost. Depending on your coverage or why you missed the deadline, you may still have the opportunity to make changes that will impact your 2026 Medicare and Medicare Advantage medical coverage. If you moved or were caught in a natural disaster during the enrollment period, Medicare may grant you some wiggle room.
Open enrollment for Medicare occurs annually from October 15 through December 7. If you fail to make or change an election by the deadline, you are mostly stuck with that election for the year. There are limited opportunities for original Medicare beneficiaries to make coverage changes after that period ends. Doing so typically depends on circumstances and whether you qualify for the special enrollment period. Medicare Advantage beneficiaries who want to make changes are in a better position and have a second chance to review and alter their selections in 2026.
