Medicare enrollment periods, all in one place.
IEP, AEP, MA OEP, SEP, GEP, and Medigap Open Enrollment. Here is what each lets you do.
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Initial Enrollment Period (IEP)
7 months around your 65th birthday. Most people enroll here. See our Turning 65 timeline.
Annual Enrollment Period (AEP)
October 15 to December 7 each year. The main yearly switching window. See our AEP deep-dive.
Medicare Advantage Open Enrollment (MA OEP)
January 1 to March 31. One chance for current Advantage enrollees to switch Advantage plans or move back to Original Medicare + Part D.
Special Enrollment Periods (SEPs)
Triggered by qualifying life events (moving, losing employer coverage, qualifying for Extra Help, etc.). Each SEP has its own window.
General Enrollment Period (GEP)
January 1 to March 31. For people who missed their IEP and do not qualify for an SEP. Late penalties may apply.
Medigap Open Enrollment
A one-time 6-month window starting the month you are 65 AND enrolled in Part B. Outside this window, Medigap carriers can use medical underwriting in most states.