Medicare Advantage plans closed on Dec. 31, 2025

What to do next

If you didn't enroll in a new Medicare Advantage plan during the Medicare Annual Enrollment Period from Oct. 15 - Dec. 7, 2025, you were automatically enrolled in Original Medicare and lost your prescription drug coverage for 2026. Even if Medicare placed you in Original Medicare, you still have other opportunities to join a Medicare health plan with Part D coverage. Because your former plan is no longer available to you, you have a special opportunity to join a new plan any time until Feb. 28, 2026.

Keep your plan closure notification letter from the Centers for Medicare and Medicaid Services (CMS) as proof that you have special rights to join a Medicare plan during this time. If you join a new Medicare plan after Dec. 31, 2025, your coverage in the new plan won't start until the month after you join. If you miss the deadline on Feb. 28, 2026, you may have to pay a lifetime Part D late-enrollment penalty.

You can also:

• Follow up with your local broker to find a new plan that meets your needs.
• Visit Minnesota Aging Pathways, formerly the Minnesota Senior LinkAge Line, or call 1‑800‑333‑2433, available 8 am – 4:30 pm, Monday – Friday.
• Call 1-800-MEDICARE (1‑800‑633‑4227), TTY users call 1‑877‑486‑2048. Tell them you got a letter saying your plan isn't going to be offered next year and you want help choosing a new plan. This toll-free helpline is available 24 hours a day, 7 days a week.
• Visit medicare.gov for information on policies and tools that can help you find and compare plans available in your area.