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HomeMedicare AdvantageKansasTopekaJan. 1–March 31, 2027: Switch Medicare Advantage in Topeka, KS

Medicare Advantage

Jan. 1–March 31, 2027: Switch Medicare Advantage in Topeka, KS

TOPEKA, Kan. — The calendar has flipped, and with it comes a Medicare deadline that many people in Shawnee County don't realize they have. From January 1 through March 31, anyone already enrolled in a Medicare Advantage plan gets one chance to change course before the window closes for another nine months.

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Senior using laptop at table in Topeka — illustrating this Medicare guide
Photo: Shane Rounce Photo by Shane Rounce on Unsplash

Key takeaways

  • The Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027, and it is only for people already in a Medicare Advantage plan.
  • During this window you may switch to a different Medicare Advantage plan or drop your plan and return to Original Medicare, but you can make only one change.
  • This period is separate from the Annual Enrollment Period (October 15 – December 7), when anyone with Medicare can make broader choices.
  • If you miss both windows, you generally have to wait until the next enrollment period unless you qualify for a Special Enrollment Period.

This is the Medicare Advantage Open Enrollment Period, and it works differently from the fall Annual Enrollment Period that runs October 15 through December 7, 2026. Knowing which window you're in — and what each one allows — is the difference between fixing a plan that isn't working and being stuck with it until next year.

Two windows, two different rulebooks

The fall Annual Enrollment Period (AEP) ended December 7. That was the big one — open to everyone with Medicare, and it allowed almost any kind of change: joining, switching, or dropping Medicare Advantage and Part D plans.

The window that just opened, the Medicare Advantage Open Enrollment Period (MA-OEP), is narrower on purpose. It is a chance for people already in a Medicare Advantage plan to correct course after seeing how their new coverage actually works in January.

Who this January-to-March window is for

You can use the MA-OEP only if you are enrolled in a Medicare Advantage plan as of January 1, 2027. If you are in Original Medicare (Part A and Part B) with or without a stand-alone Part D drug plan, this window does not apply to you.

If you are eligible, you can do one of two things between January 1 and March 31:

You get one change during this window. Once it goes through, that's it until the next enrollment period.

What you cannot do right now

The MA-OEP is not a do-over for people who stayed in Original Medicare. During this window, you generally cannot:

Those moves belong to the fall AEP or, in some cases, a Special Enrollment Period.

Deadlines, effective dates, and the clock

Any change made during the MA-OEP takes effect the first day of the month after the plan gets your request. Make a change in February, and coverage typically starts March 1. Wait until March 31, and coverage starts May 1. That gap matters if you are trying to line up a new doctor visit or fill a prescription.

The March 31 deadline is firm. According to CMS, once it passes, you are locked into your current coverage until the next Annual Enrollment Period begins October 15 — unless a Special Enrollment Period opens for you.

What if you miss the window?

Special Enrollment Periods (SEPs) exist for specific life events: moving out of your plan's service area, losing other coverage, qualifying for Medicaid or Extra Help, or entering or leaving a nursing facility, among others. If one of these applies, you may be able to make a change outside the normal windows.

If none applies, the next chance to make a broad change is the Annual Enrollment Period, October 15 – December 7, 2026, for coverage starting January 1, 2027.

A quick note on what's changing for 2027

If part of what prompted a rethink is drug costs, keep a couple of Part D figures in mind. The annual out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027, and the maximum Part D deductible is $615 in 2026 and $700 in 2027. The coverage gap — the old "donut hole" — was eliminated in 2025, so Part D now has three phases instead of four. Medicare also offers the Prescription Payment Plan, an optional way to spread drug costs across the year in monthly amounts.

Where to get personalized help in Topeka

Topeka is in Shawnee County, and residents here have access to the same free, unbiased help available across the state. The choice among plans is personal — it depends on your doctors, your prescriptions, and your budget — and no article can make that call for you.

For one-on-one guidance:

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

By the numbers

How people get Medicare in Shawnee County

33% are on Medicare Advantage
(MA penetration in Shawnee County)
33%
67%
Medicare Advantage Medicare Supplement (Medigap) Original Medicare only
U.S. average

MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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Medicare Advantage companies in Shawnee County

By local enrollment size · informational, not a ranking
CompanyLocal enrollmentPlans offeredLocal agentsAction
HumanaNational—Yes
UnitedHealthcareNational—Yes
Aetna (CVS Health)National—Yes
Blue Cross Blue Shield of KansasRegional—Yes
Highmark HealthRegional—Yes
Elevance Health (Anthem)National—Yes
Enrollment data: CMS Medicare Advantage enrollment by company (county level). Figures shown are illustrative sample data pending the current CMS file. Listed by enrollment size, largest first — this is not a ranking, recommendation, or endorsement of any company or plan.

Provided by licensed insurance partners; MyMedicarePlans.org may be compensated. Not a ranking or endorsement of any plan.

Explore

When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Explore

The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

Good to know

Frequently asked questions

I'm in Original Medicare. Can I join a Medicare Advantage plan between January and March?
Generally, no. The Medicare Advantage Open Enrollment Period is only for people already enrolled in a Medicare Advantage plan as of January 1. If you are in Original Medicare, you typically need to wait for the next Annual Enrollment Period (October 15 – December 7) unless you qualify for a Special Enrollment Period.
Can I change my stand-alone Part D drug plan during this window?
Not on its own. The MA-OEP does not allow switching between stand-alone Part D plans. However, if you drop a Medicare Advantage plan and go back to Original Medicare during this window, you can join a stand-alone Part D plan at the same time.
How many changes can I make between January 1 and March 31?
One. Once your change takes effect, you cannot use this window again until it reopens next January.
When will my new coverage actually start?
Coverage begins the first day of the month after your new plan receives your enrollment. A change made in January generally takes effect February 1; a change made in March takes effect April 1.
Sources & further reading
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.

Also for Topeka

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This page was last updated: September 30, 2026.

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