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Medicare Open Enrollment 2027

Medicare Advantage, state by state

Open Enrollment for 2027 coverage runs October 15, 2026, to December 7, 2026. Pick your state to see how many plans are sold there, what they cost, and which extra benefits they list, from public CMS data.

What Medicare Advantage is

Medicare Advantage (Part C) plans are sold by private insurers approved by Medicare. They replace Original Medicare as the way you get hospital and doctor coverage, and most include Part D drug coverage too.

Plans often cost less each month than Original Medicare with a Medigap policy, but they use networks, set their own copays, and cap what you pay each year. Many add dental, vision, or allowance benefits. Those extras vary by plan and county, and some are only for members who meet chronic-condition or Medicaid rules.

Key dates

Plans mail an Annual Notice of Change by September 30. Read it before Open Enrollment: it lists what your plan changes next year.

October 15, 2026 – December 7, 2026
Open Enrollment for 2027 coverage. Join, switch, or drop a Medicare Advantage or drug plan.
January 1, 2027
Changes made during Open Enrollment take effect.
January 1, 2027 – March 31, 2027
Medicare Advantage Open Enrollment. If you are already in a Medicare Advantage plan, you can make one change.
December 8, 2026 – November 30, 2027
You can switch once into a plan with a 5-star overall rating, if one is sold where you live.

Medicare Advantage enrollment tracker

See how many people join Medicare Advantage, how fast that growth is slowing, and which carriers gain or lose members, by state and over time. Built from CMS monthly enrollment files.

Open the enrollment tracker

Medicare Advantage plans by state

Plan benefits explained

Grocery allowance

Some private Medicare Advantage plans give certain members a set amount, often on a prepaid card, to spend on healthy food and produce at approved stores. It is a plan benefit, not a government payment, and Original Medicare has no grocery benefit.

Part B giveback

A Part B giveback is a feature of some Medicare Advantage plans: the plan pays part of your Medicare Part B premium. You see it as a smaller premium deduction from your Social Security payment, not as a separate check.

$0-premium plans

A $0-premium Medicare Advantage plan charges no monthly premium of its own. You still pay your Medicare Part B premium, and you still pay copays, coinsurance, and deductibles when you get care, up to the plan's yearly out-of-pocket limit.

OTC allowance

An over-the-counter (OTC) allowance lets plan members buy approved health items, such as pain relievers, vitamins, and first-aid supplies, up to a set amount each month or quarter. Plans deliver it through a card, a catalog, or approved stores.

Dental coverage

Original Medicare does not cover most routine dental care. Many Medicare Advantage plans add dental benefits, from cleanings and X-rays (preventive) to fillings, crowns, and dentures (comprehensive), usually up to a yearly dollar limit.

Free, unbiased help

Medicare.govMedicare Plan FinderEnter your ZIP code to see every plan sold where you live, with premiums, drug costs, and star ratings.SHIP National Technical Assistance CenterFind your State Health Insurance Assistance Program (SHIP)Every state has trained SHIP counselors who give free, one-on-one Medicare advice and do not sell insurance.

You can also call Medicare at 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048), 24 hours a day, 7 days a week.

Medicare guides

Medicare Savings Programs and Extra Help: 2026 Guide for SeniorsRead guide

Frequently asked questions

What is Medicare Advantage?
Medicare Advantage (Part C) is a way to get your Medicare Part A and Part B benefits through a private insurance company approved by Medicare. Most plans also include drug coverage, and many add extras such as dental or vision. You still pay your Part B premium.
When is Medicare Open Enrollment for 2027?
From October 15, 2026, to December 7, 2026. Changes you make start January 1, 2027.
Are Medicare Advantage plans the same in every state?
No. Insurers sell plans county by county, so the plans, premiums, and extra benefits in one county can differ from the next. Check the plans at your ZIP code on Medicare.gov Plan Finder.
Is Senior Deal Club part of Medicare?
No. Senior Deal Club is not affiliated with or endorsed by Medicare, CMS, or any government agency. These pages explain public CMS data and do not recommend a plan.

About this page

Senior Deal Club is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), or any government agency. This page is educational. It is not an offer of insurance and does not recommend a plan.

Plan and enrollment figures on these pages come from public CMS data and cover every insurer in that data, listed in a neutral order. Not all plans offer all benefits. Benefits, premiums, and costs vary by plan and location, and limitations and exclusions may apply.

For information on all of your options, contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048), or your State Health Insurance Assistance Program (SHIP).

Senior Deal Club may be paid when visitors to other parts of this site speak with licensed insurance agents. That does not change the figures here. See our editorial policy.