Medicare Advantage
Medicare Advantage Open Enrollment: What Norman Can Change by March 31
NORMAN, Okla. — If you picked a Medicare Advantage plan last fall and are already having second thoughts, you still have time to fix it. The Medicare Advantage Open Enrollment Period runs January 1 through March 31, and it gives people in Cleveland County a second window to make one change to their coverage before it locks in for the rest of the year.
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Key takeaways
- The Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027, and you can make one change during that window.
- You can switch to a different Medicare Advantage plan or drop your Advantage plan and return to Original Medicare (with or without a stand-alone Part D plan).
- You cannot use this window to join a Part D drug plan if you are already on Original Medicare, and you cannot switch from one stand-alone Part D plan to another.
- For personal help in Norman, call 1-800-MEDICARE, visit medicare.gov, or contact Oklahoma's SHIP program (called SHIP/SHICP) for free one-on-one counseling.
This period is different from the fall Annual Enrollment Period, and the rules about what you can — and cannot — do are narrower than many people realize. Here is a plain-English guide for Norman residents.
Who this window is for
This period is only for people who are already enrolled in a Medicare Advantage plan on January 1. If you are on 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 new to Medicare Advantage as of January 1, 2027, and the plan is not what you expected — maybe your doctor is not in the network, or the drug coverage does not fit — this is your chance to correct course without waiting until next fall.
What you can change between January 1 and March 31
During the Medicare Advantage Open Enrollment Period, you may do one of the following:
- Switch from your current Medicare Advantage plan to a different Medicare Advantage plan.
- Drop your Medicare Advantage plan and go back to Original Medicare. If you do that, you may also join a stand-alone Part D prescription drug plan at the same time.
You get one change. Once you make it, the window closes for you, even if it is still February. The new coverage generally starts the first day of the month after the plan gets your request.
What you cannot do in this window
The Medicare Advantage Open Enrollment Period is not a do-over for every part of Medicare. In this window you cannot:
- Join a Medicare Advantage plan if you are on Original Medicare.
- Join a stand-alone Part D plan if you are on Original Medicare with no drug coverage.
- Switch from one stand-alone Part D plan to another.
Those kinds of changes usually have to wait for the fall Annual Enrollment Period (October 15 – December 7) unless you qualify for a Special Enrollment Period — for example, if you move out of your plan's service area, lose other coverage, or become eligible for Extra Help.
2027 program facts worth knowing before you switch
Before you change plans, it helps to understand what is true for everyone on Medicare in 2027, so you are comparing coverage on the same footing:
- Part D out-of-pocket cap: The cap on out-of-pocket spending for covered Part D drugs is $2,100 in 2026 and $2,400 in 2027. Once you hit it, you pay nothing more for covered drugs the rest of the year.
- Part D deductible: No Part D plan can charge a deductible higher than $615 in 2026 or $700 in 2027.
- No more “donut hole”: The old coverage gap phase went away in 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
- Medicare Prescription Payment Plan: You can ask to spread your out-of-pocket drug costs across the calendar year in monthly payments instead of paying at the pharmacy counter.
- IRMAA: Higher-income enrollees pay extra for Part B and Part D. In 2026, the surcharge starts above $109,000 in income for a single filer (based on your 2024 tax return).
These rules apply whether your drug coverage comes through a Medicare Advantage plan that includes Part D or a stand-alone Part D plan.
How Norman residents can decide
Cleveland County sits in a market with a wide range of Medicare Advantage plans offered by several carriers, so comparing options takes a little effort. A few questions worth answering before you switch:
- Are the doctors and hospitals you use — including OU Health and Norman Regional — in the plan's network?
- Are your prescriptions on the plan's formulary, and at what tier?
- Does the plan cover the extras you actually use, like dental, vision, hearing, or transportation?
- If you travel or spend part of the year outside Oklahoma, how does the plan handle out-of-area care?
Star Ratings, published by CMS on medicare.gov, are one honest way to see how plans score on things like customer service and care quality. They are a reference tool, not a recommendation.
Where to get unbiased help
You do not have to figure this out alone, and you do not have to rely on a mailer or a TV ad.
- Medicare.gov has a Plan Finder tool where you can enter your ZIP code and your prescriptions to compare plans available in Cleveland County.
- 1-800-MEDICARE (1-800-633-4227) is open 24/7.
- Oklahoma's SHIP program offers free, one-on-one counseling from trained volunteers who do not sell insurance. Ask for the State Health Insurance Assistance Program when you call.
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.
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 Cleveland County
(MA penetration in Cleveland County)
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.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
When exactly is the Medicare Advantage Open Enrollment Period?
Can I switch Medicare Advantage plans more than once during this window?
If I drop my Medicare Advantage plan, will I automatically get a Part D drug plan?
Where can Norman residents get free, unbiased help comparing plans?
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Norman
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This page was last updated: September 30, 2026.