When can I start marketing next year's plans?
You can start marketing next year's plan offerings on October 1 of the current year, and you may market both the current and upcoming year at the same time as long as the materials clearly show which year is which.
What the rule says
“MA organizations may begin marketing prospective plan year offerings on October 1 of each year for the following contract year.”
“MA organizations may market the current and prospective year simultaneously provided materials clearly indicate what year is being discussed.”
The Part D rule is identical:
“Part D sponsors may begin marketing prospective plan year offerings on October 1 of each year for the following contract year.”
“Part D sponsors may market the current and prospective year simultaneously provided materials clearly indicate what year is being discussed.”
Carrier and FMO rules are often stricter than CMS rules. This tool reports what CMS sources say and is not legal advice. Enrollment guidance shown is the CY 2027 version. Regulation text reflects the CY 2027 marketing rules, which apply to marketing beginning October 1, 2026.
This answer was generated by mapdbot from the sources listed below on September 23, 2026 and checked against them. Regulation text: eCFR as of 09/15/2026. It is for licensed insurance agents, is not legal advice, and does not cover carrier or FMO rules.