{{Short description|none}} {{Health care in the United States}}{{Notability|date=November 2025}}[[File:Saint Alphonsus Health Plan Circle Jar Opener.jpg|thumb|120px|alt=Promotional tchotchkes for an Idaho hospital|Free promotional jar opener for a hospital-specific plan (insurance broker in lobby on campus)]] The '''2025 Health Insurance Open Enrollment''' (or annual enrollment) for Medicare spans October 15, 2025, to December 7, 2025.<ref>{{Cite web|url=https://www.medicarerights.org/medicare-watch/2025/10/15/medicare-open-enrollment-begins-today|title=Medicare Open Enrollment Begins Today|first=Jisoo|last=Choi|date=Oct 15, 2025}}</ref>
== Context == This open enrollment period was called by the advocacy group 65 Incorporated "the most important in Medicare's 60-year-history".<ref name="auto1">https://thehill.com/policy/healthcare/5562031-medicare-open-enrollment-guide/</ref> Enrollment is complicated by a range of factors: anti-inflation measures mandated by the One Big Beautiful Bill,<ref name="auto">{{Cite web|url=https://www.kff.org/medicare/a-current-snapshot-of-the-medicare-part-d-prescription-drug-benefit/|title=A Current Snapshot of the Medicare Part D Prescription Drug Benefit|date=Oct 7, 2025}}</ref><ref>{{Cite web|url=https://www.cnn.com/2025/07/21/politics/americans-losing-health-insurance-trump-bill|title=10 million more people will be uninsured because of Trump's mega-package, CBO forecasts | CNN Politics|first=Tami|last=Luhby|date=Jul 21, 2025|website=CNN}}</ref><ref>{{Cite web|url=http://theconversation.com/how-17m-americans-enrolled-in-medicaid-and-aca-plans-could-lose-their-health-insurance-by-2034-260664|title=How 17M Americans enrolled in Medicaid and ACA plans could lose their health insurance by 2034|first=Simon F.|last=Haeder|date=Jul 15, 2025|website=The Conversation}}</ref> rising health care costs,<ref>{{Cite web|url=https://www.thecut.com/article/health-insurance-more-expensive.html|title=Get Ready to Pay Even More for Health Insurance|first=Charlotte|last=Cowles|date=Oct 23, 2025|website=The Cut}}</ref> declining profits,{{Citation needed|date=November 2025}} 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.<ref name="auto2">{{Cite web|url=https://www.pressherald.com/2025/10/17/36000-mainers-medicare-advantage-plans-will-be-canceled-next-year/|title=36,000 Mainers' Medicare Advantage plans will be canceled next year|date=Oct 17, 2025}}</ref><ref>{{Cite web|url=https://www.wsj.com/health/healthcare/big-changes-are-coming-for-2026-medicare-plans-what-you-need-to-know-056d8565|title=Big Changes Are Coming for 2026 Medicare Plans. What You Need to Know.|first=Anna Wilde|last=Mathews|date=Oct 15, 2025|website=The Wall Street Journal}}</ref><ref>{{Cite web|url=https://www.wsj.com/video/medicare-enrollment-2026-five-things-to-examine-in-your-plan/3F56DF1C-B164-4FEF-8D21-096F15E62807?mod=Searchresults&pos=1&page=1|title=Medicare Enrollment 2026: Five Things to Examine in Your Plan|website=WSJ}}</ref> E.g., UnitedHealth, Humana, and Aetna have withdrawn from hundreds of counties, and some states from their Medicare Advantage plans.<ref>{{Cite web|url=https://www.nationalmemo.com/medicare-advantage|title=New Report Sharpens Doubt About Medicare Advantage As Open Enrollment Begins - National Memo|website=www.nationalmemo.com}}</ref><ref>{{Cite web|url=https://bsky.app/profile/kff.org/post/3m3inokssvx2k|title=@kff.org on Bluesky}}</ref>
In the absence of Medicare Advantage plans, they default to Original Medicare, which does not cover prescription drugs.<ref>https://thehill.com/policy/healthcare/5562031-medicare-open-enrollment-guide/?email=467cb6399cb7df64551775e431052b43a775c749&emaila=12a6d4d069cd56cfddaa391c24eb7042&emailb=054528e7403871c79f668e49dd3c44b1ec00c7f611bf9388f76bb2324d6ca5f3&utm_source=Sailthru&utm_medium=email&utm_campaign=10.20.25%20Health%20Care%20JC</ref> However, between 8 and 12 Medicare Part D stand-alone prescription drug plans will be on offer in 2026, varying by state.<ref name="auto" /> All plans include a $2,100 maximum on out-of-pocket costs for covered drugs, a $100 increase from 2025.<ref>{{Cite web |last=Jones |first=JARED WELSH Edward |date=Oct 15, 2025 |title=Making the most of Medicare open enrollment |url=https://www.idahopress.com/emmett/blog/making-the-most-of-medicare-open-enrollment/article_6a276a70-83fd-4027-b17d-6ffd3c32bc33.html |website=Idaho Press}}</ref> A key feature of each plan is whether important local care providers (hospitals, doctors, ...) are included.<ref>{{Cite web |title=What to watch out for in your 2026 Medicare Advantage plan |url=https://finance.yahoo.com/news/what-to-watch-out-for-in-your-2026-medicare-advantage-plan-123045304.html}}</ref><ref>{{Cite web |title=7 Changes You'll See Coming to Medicare in 2026 |url=https://www.aarp.org/medicare/whats-new-in-medicare-2026/ |website=AARP}}</ref>
Medicare trustees estimate that Part B (physicians' services) premiums are estimated to increase by $21.50 to $206.50 in 2026.<ref name="auto1" /><ref>{{Cite web|url=https://www.msn.com/en-us/money/insurance/premium-increases-hit-home-for-millions-amid-aca-turmoil/ar-AA1OvmBV|title=MSN|website=www.msn.com}}</ref>
==See also== {{portal bar|Medicine|Economics|Politics|Society}}
== References == {{reflist}}
Category:Public health in the United States Category:Health insurance companies of the United States Category:Medicine in the United States