Medicare Special Enrollment Periods Explained

Missed your Initial Enrollment Period? You may still be able to enroll or switch plans through a Special Enrollment Period (SEP) when certain life events occur.

Moving to a new area

If you move to a new zip code and your current plan isn't available, you typically get a SEP to switch to a plan in your new area. Notify your plan and enroll within the allowed window.

Losing employer or union coverage

When you retire or lose job-based health insurance, you may qualify for an 8-month SEP to sign up for Part B and join a Medicare Advantage or Part D plan without penalty.

Medicaid, Extra Help, and plan changes

Gaining or losing Medicaid, qualifying for Extra Help with drug costs, or your plan leaving the market can also trigger SEPs. Rules and deadlines vary.

Don't guess — verify your SEP

SEP rules are complex. A licensed agent confirms whether you qualify, which plans are available, and helps you enroll before your window closes — free.