These answers are a starting point. Enrollment timing, other coverage, residence, and health needs can change which rules apply.
What is the difference between Original Medicare and Medicare Advantage?
Original Medicare is the federal Part A and Part B program. Medicare Advantage is another way to receive those benefits through a Medicare-approved private plan. Networks, rules, benefits, and costs vary.
What is the difference between Medicare Part A and Medigap Plan A?
Part A is Medicare hospital insurance. Medigap Plan A is a private standardized supplement that helps with certain costs in Original Medicare.
Does Annual Enrollment apply to Medigap?
The October 15–December 7 period is mainly for Medicare Advantage and Part D changes. Federal Medigap open enrollment is generally a one-time six-month period beginning when you are 65 or older and enrolled in Part B. Other rights can depend on your situation and state.
When do 2026 Open Enrollment choices take effect?
Changes made during Medicare Open Enrollment from October 15 through December 7, 2026 generally take effect January 1, 2027.
Should I delay Medicare if I have employer or union coverage?
Do not assume. Ask the employer or union benefits administrator and Medicare before delaying enrollment or changing coverage.
Looking for a specific item or service?
Use the Medicare coverage guide to find information about tests, treatment, medical equipment, home care, vaccines, and prescription drugs.
Would you like help sorting through your choices?
Reviewed by BGA’s in-house compliance team. Last reviewed August 24, 2026. Effective year: 2026–2027.
Official sources
- Medicare.gov: Parts of Medicare
- Medicare.gov: Coverage options
- Medicare.gov: Compare Medigap plan benefits
- Medicare.gov: Medigap basics
- Medicare.gov: When to buy Medigap
- CMS: High-deductible Medigap amounts
- Medicare.gov: Open Enrollment
- Medicare.gov: Joining a plan and enrollment periods
- CMS: Medicare Open Enrollment partner resources