It’s that important time of year again—Medicare Fall Enrollment runs from October 15 through December 7. After 44 years in the business, I can’t stress enough how valuable it is to pause and carefully review your current Medicare coverage. For 2026, you’ll see Part D out-of-pocket costs capped at $2,100, with projections at about $2,400 for 2027. Keep in mind, Medicare Advantage annual maximums can reach as high as $9,250.
Be sure to look out for your annual notice in late Q3, which details any changes to costs, benefits, networks, or plan availability; these updates are essential for making informed choices for the year ahead. When comparing your options, match your plan to your own doctors, medications, preferred pharmacies, and any travel or relocation plans—plans are not one-size-fits-all. If you’re already enrolled in Medicare Advantage, you’ll also have a window from January 1 to March 31 to make changes or even return to Original Medicare. Remember, free counseling is available to help navigate these decisions. My specialty is helping clients in our Destin, Miramar Beach, and Freeport communities find the right Medicare fit for their unique needs.
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