The Medicare Annual Enrollment Period (AEP) gets a lot of attention, but it’s not the only time someone can make changes to their coverage. Depending on your circumstances, you may qualify to switch plans more than once a year.
The Basics: When Changes Are Normally Allowed
Most people make changes during these key times:
- AEP (Oct 15 – Dec 7): Switch between Original Medicare and Medicare Advantage, or change drug plans.
- MA OEP (Jan 1 – Mar 31): For those already on a Medicare Advantage plan to make one change.
Special Enrollment Periods (SEPs)
You may qualify for an SEP if:
- You move out of your plan’s service area.
- You lose employer coverage.
- You qualify for Medicaid or Extra Help.
- You enter or leave a care facility.
Each SEP has its own timeline and rules, so it’s important to act quickly.
Important Reminders
- You usually get one chance per SEP.
- SEPs aren’t automatic you need to apply or notify the plan.
- Not all changes are allowed; it depends on your situation.
Bottom Line
Yes, you may be able to change plans more than once a year but only if you meet specific criteria. A licensed agent can explain which enrollment periods may apply to your situation.
