Medicare Annual Enrollment: What You Need to Know

We’ve officially entered Medicare’s Annual Enrollment Period (AEP) — and there are some important changes this year. What’s Changing for 2027:

Medicare Advantage Plans
Many Advantage Plans (from all major insurance companies) are changing for 2027.
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• More plans are now HMO-only, meaning network-based coverage.
• Copays and maximum out-of-pocket limits (MOOP) are increasing.
• The popular “extras” — dental, vision, hearing, and over-the-counter benefits — are also shifting.

The good news? There are still lots of great options, and we’re here to help you find the plan that fits you best.
👉 Use our Medicare Fact Finder Form to get started.

Prescription (Part D) Plans
Part D prescription plans are also being updated.
You can explore your 2026 options and compare plans here:
🔗 Medicare Part D Prescription Plans
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Medicare Part B Updates
For 2026, the Part B premium will increase to $202.90, and the deductible will rise to $283.00.
These rates apply to individuals earning under $109,000 and couples filing jointly under $218,000 (based on 2024 tax returns).

The official Medicare Part B premium for 2027 is not yet finalized. The Medicare Trustees Report projects a standard monthly premium of $209.50, up from $202.90 in 2026, though private forecasts estimate it could land between $215 and $221. Official rates are announced by CMS in the fall

 Projected 2027 Costs vs. 2026 Baselines

• 2026 Baseline Premium: $202.90 per month
  
• 2027 Projected Premium: $209.50 (Trustees) to ~$221.00 (Private Estimates)
  
• 2026 Part B Deductible: $283.00 annual
  
• 2027 Projected Deductible: ~$310.00 annual
  
• Official Announcement Date: November 2026 by the Centers for Medicare & Medicaid Services
  

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MediGap / Supplement Plans
If you have a Medigap or Medicare Supplement plan, you may have noticed your rates increasing.
The good news: You can shop for a new plan or switch to a Medicare Advantage plan — with no health questions asked — anytime now through December 7th.

Other Enrollment OpportunitiesThere are additional enrollment periods beyond AEP, as outlined in Medicare & You 2026. We can help you understand which special enrollment windows may apply to your situation.

We’re Here to HelpNavigating Medicare doesn’t have to be confusing. Our local team is ready to help you review the changes and find the best plan for your needs — at no cost to you.
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📅 Annual Enrollment runs through December 7th — don’t wait!
📍 Medicare Options for You | Serving Western North Carolina

Contact Your Local Agent
Dave Trout: 828.279.4681 | [email protected]
David Hanson: 828.808.9063 | [email protected]
Idelle Davids: 828.279.4681 | [email protected] ​