Older Americans have important decisions to make each year regarding their Medigap and Medicare coverage. Although there is no annual open enrollment period for Medigap insurance, you may want to change your Medigap policy to accommodate any changes to original Medicare. During the annual Medicare Open Enrollment period, which runs from October 15 to December 7 every year, including for 2027 coverage, all Medicare participants can switch to a new Medicare Advantage plan or return to original Medicare.
The best time to buy a policy is during your only Medigap open enrollment period, when you first become eligible for Medicare. Under federal law, you have a six-month Medigap open enrollment period that starts the first month you have Medicare Part B, and you’re 65 or older. Insurance underwriting is suspended during your open enrollment period, making it cheaper and easier to enroll in the policy of your choice.
