2025 Health Insurance Open Enrollment
From Wikipedia, the free encyclopedia
The 2025 Health Insurance Open Enrollment (or annual enrollment) for Medicare spans October 15, 2025, to December 7, 2025.[1]
Context
This open enrollment period was called by the advocacy group 65 Incorporated "the most important in Medicare's 60-year-history".[2] Enrollment is complicated by a range of factors: anti-inflation measures mandated by the One Big Beautiful Bill,[3][4][5] rising health care costs,[6] declining profits,[citation needed] and a projected decline in the number of Medicare Advantage clients (the most in 15 years), Insurance providers have changed their business models and thoroughly reconfigured their plans; some companies have pulled out of certain markets entirely.[7][8][9] E.g., UnitedHealth, Humana, and Aetna have withdrawn from hundreds of counties, and some states from their Medicare Advantage plans.[10][11]
In the absence of Medicare Advantage plans, they default to Original Medicare, which does not cover prescription drugs.[12] However, between 8 and 12 Medicare Part D stand-alone prescription drug plans will be on offer in 2026, varying by state.[3] All plans include a $2,100 maximum on out-of-pocket costs for covered drugs, a $100 increase from 2025.[13] A key feature of each plan is whether important local care providers (hospitals, doctors, ...) are included.[14][15]
Medicare trustees estimate that Part B (physicians' services) premiums are estimated to increase by $21.50 to $206.50 in 2026.[2][16]
