IEP
7-month window around your 65th birthday
Initial Enrollment Period
Starts 3 months before your 65th birthday month and ends 3 months after. Missing it can trigger lifelong Part B and Part D late-enrollment penalties.
Resources
Enrollment periods, explained.
Health insurance rules aren't kind about deadlines. Here are the windows that matter most for Idaho residents, and when to call us so nothing slips.
AEP
October 15 to December 7
Medicare Annual Enrollment
The window to switch between Original Medicare and Medicare Advantage, change Advantage or Part D plans, or drop/join Medigap in most states. Changes take effect January 1.
OEP
January 1 to March 31
Medicare Advantage Open Enrollment
If you're already on a Medicare Advantage plan, you get one chance during OEP to switch to a different Advantage plan or return to Original Medicare with a stand-alone Part D.
MP
November 1 to January 15 (Your Health Idaho)
Marketplace Open Enrollment
The window for individual and family plans on Your Health Idaho. Enroll by December 15 for January 1 coverage.
SEP
Triggered by qualifying life events
Special Enrollment Periods
Losing coverage, moving, marriage, birth or adoption, Medicaid eligibility changes, and dual-eligible status changes can all open a Special Enrollment Period, typically 60 days from the event.
Not sure which window applies to you?
Give us 10 minutes on the phone, we'll tell you exactly when you can change coverage and what happens if you wait.