When does the annual election period run?
The Annual Election Period (AEP) runs October 15 through December 7 each year, with coverage changes effective January 1 of the following year.
This answer relies on the CY 2027 enrollment guidance for the confirming citation.
What the rule says
“Beginning in 2011, the annual coordinated election period for the following calendar year is October 15 through December 7.”
“For 2011 and subsequent years. Beginning with 2011, the annual coordinated election period for the following calendar year is October 15 through December 7.”
“Except as provided under paragraph (b)(2) of this section, for an enrollment or change of enrollment in Part D made during an annual coordinated election period as described in § 423.38(b), the coverage or change in coverage is effective as of the first day of the following calendar year.”
“Occurs: October 15–December 7 every year Effective date: January 1 of the following year Who can use: All Medicare beneficiaries Changes permitted:”
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.
Sources cited
Related questions
- Can a client join a PDP during the annual coordinated election period?
- When does an enrollment made during the annual election period take effect?
- Can I enroll this client today, or do they have to wait until AEP?
- Does a Medicare Advantage plan have to accept my client's application if they apply during the annual election period?
- What effective date should I put on the application if I submit it today?