Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

You still have time to switch before April 1. The Open Enrollment Period (OEP) runs from January 1 through March 31 each year. During this time, you are allowed to make one switch. If you do switch, your new coverage starts the first of the month after you make your selection. However, you cannot decide to add or drop Medicare drug coverage (Part D) during the OEP.

Meanwhile, there are only a couple instances in which you can change coverage between April and mid-November, the period known as the “off-season”: (1) when you make a qualified change in your circumstances, for example moving out of the area covered by your health plan (called the “Special Enrollment Period” or SEP), and (2) when you first enroll in Medicare Parts A & B (the “Initial Enrollment Period” or IEP).

Finally, remember that the last six weeks of every year (November 15-December 31) is the “Annual Coordinated Election Period.” Between these dates you can change plans as often as you want, with the final change taking effect January 1.