The 2027 deadlines
| Date | What it means |
|---|---|
| December 7, 2026 | Medicare's fall open enrollment ends. |
| December 31, 2026 | Choose by this date so your new coverage starts January 1, 2027. Your Special Enrollment Period lets you choose after December 7. |
| January 1, 2027 | Your current plan's coverage ends. |
| February 28, 2027 | Last day of your Special Enrollment Period to join a new Medicare Advantage or Part D plan. |
| 63 days after your plan ends | Last day of your Medigap guaranteed-issue right. |
Medicare.gov says a plan whose contract isn't renewed gives you a Special Enrollment Period from December 8 through the last day of February. If you join after January 1, coverage starts the first of the next month, so you'd have a gap.
Your choices in Oklahoma
- Another Medicare Advantage plan that serves your county. Oklahoma has 50 plans open to everyone for 2027, but counts differ by county. Beaver, Cimarron, Ellis, Harmon, Harper, Roger Mills and Texas counties have none for 2027.
- Original Medicare with a Part D plan, plus Medigap if you want help with Original Medicare's costs. Oklahoma has 9 standalone Part D plans for 2027, available in every county.
- A special needs plan, if you also have SoonerCare or a qualifying condition.
Once you have Medigap, Oklahoma's birthday rule lets you switch each year to equal or lesser benefits without health questions.
Steps to take now
- Find your non-renewal letter. Note your plan's last day and keep the letter.
- List your doctors, hospitals, pharmacy and medicines. Use the list to check each new plan.
- Compare plans in your county. See plans for your ZIP code or use Medicare Plan Finder.
- Choose by December 31. If you pick Original Medicare, apply for Medigap within your window and join a Part D plan too.
For the counties and plans affected, see plans ending in 2027. To compare plans from the companies they work with, you can request a call from a licensed insurance agent. More in Medicare open enrollment in Oklahoma.
Related questions
Which companies are leaving Oklahoma in 2027?
Where to find the CMS list.
Can I go back to Original Medicare?
What to know about Medigap and Part D.
Can I switch plans after open enrollment?
Every later window.
Sources
- Medicare.gov — Special Enrollment Periods (plan contract not renewed)
- Medicare.gov — When can I buy a Medigap policy? (guaranteed-issue rights)
- eCFR — 42 CFR 422.62, Election of coverage under an MA plan
- CMS — CY2027 Landscape file
- Oklahoma Insurance Department — New Medicare Supplement Open Enrollment FAQs
More questions in this guide
- Can I go back to Original Medicare from Medicare Advantage?
- Can I switch Medicare Advantage plans after open enrollment ends?
- When is Medicare open enrollment in Oklahoma for 2027?
- Which Medicare companies are leaving Oklahoma in 2027?
Part of the guide: Medicare Open Enrollment in Oklahoma (2027 Plans) · All questions
Frequently asked questions
How do I know my plan is ending?
Your plan must send you a non-renewal letter, usually in October, saying it's leaving Medicare or your area. Keep it; it's proof of your Special Enrollment Period and Medigap rights.
What happens if I don't choose a new plan?
On January 1, 2027 you'll be in Original Medicare with no Part D drug coverage. Going more than 63 days without creditable drug coverage can lead to a Part D late enrollment penalty, so join a drug plan if you need one.
Which Medigap plans can I buy without health questions?
When your Medicare Advantage plan leaves Medicare or your area, Medicare.gov says you can buy any Medigap policy sold to you. Apply as early as 60 days before your plan coverage ends and no later than 63 days after.
I have SoonerCare too. Is anything different?
If you have both Medicare and SoonerCare, you may be able to join a special needs plan, and you can make certain coverage changes once a month. See our SoonerCare and Medicare guide.
Medicare in your Oklahoma county
Plans, local agents and help, county by county: Oklahoma · Tulsa · Cleveland · Canadian · Comanche · Rogers · Wagoner · Payne · Pottawatomie · Creek · Muskogee · Garfield · Grady · Washington · Logan · Bryan · Le Flore · Carter · Cherokee · McClain · All 77 counties →
