Medicare Changes to Know for 2026: What’s New, What’s Gone, and What You Should Do Before December 7

The fall season means pumpkin spice, sweaters… and Medicare paperwork.
Every October, millions of Americans age 65+ face the same question: should I stay with my current Medicare plan or switch to something better?

This year’s Medicare Open Enrollment Period (October 15 – December 7) might be one of the most important in years. There are new tools, new cost caps, and—yes—some big insurer shake-ups that could affect your coverage for 2026.

If you’re on Medicare (or helping someone who is), here’s everything you need to know — in plain English.