Medicare Initial Enrollment Window 2026

Frequently Asked Questions

What happens if I miss the window?

You may face a gap in coverage and a late-enrollment penalty. Some situations, such as employer coverage, may qualify for a Special Enrollment Period.

Does Medicare start automatically?

Some people receive Medicare automatically through Social Security, while others must enroll. Check your notice and your coverage status.

Is this the same as Open Enrollment?

No. The Initial Enrollment Period is for first-time eligibility. Open Enrollment is a later annual window for changing certain coverage.