Connecticut Medicare Open Enrollment: Review Your 2027 Coverage

October 21, 2026

Connecticut Medicare Open Enrollment: Review Your 2027 Coverage

Medicare Open Enrollment is underway. From October 15 through December 7, 2026, people with Medicare can review their coverage and make certain changes for 2027. If you are a Connecticut senior—or helping a parent or loved one—this is a useful time to check that next year's plan still fits their doctors, prescriptions, budget, and needs.

Any changes made during this enrollment period generally take effect January 1, 2027. You do not have to change plans if your current coverage still works for you, but it is worth comparing the updated details rather than assuming everything will stay the same.

What to Review Before Choosing a Plan

Monthly and out-of-pocket costs: Compare premiums, deductibles, copayments, coinsurance, and the plan's annual out-of-pocket limit where applicable.
Your prescriptions: Check every medication against the plan's current drug list (formulary), including its dosage and pharmacy rules. Add your prescriptions when using Medicare's plan comparison tool to get a more useful cost estimate.
Doctors, hospitals, and pharmacies: If you have Medicare Advantage, confirm that your providers and preferred pharmacy remain in the plan's network. Contact the provider and plan directly if you are unsure.
Coverage and benefits: Read your plan's Annual Notice of Change and review the 2027 Evidence of Coverage. Look for changes to covered services, referrals, prior authorization, and any extra benefits you use.
Your needs for the coming year: Consider planned care, specialist visits, travel, and how easily you can reach in-network services from where you live in Connecticut.

What Changes Can You Make?

During the October 15–December 7 Open Enrollment Period, you can join, drop, or switch Medicare Advantage coverage; move between Original Medicare and Medicare Advantage; and join, drop, or switch a Medicare drug plan if you have Original Medicare. The options available to you depend on your situation and the plans offered in your area. Medicare explains the rules and effective dates on its enrollment periods page.

Medicare decisions can be personal and sometimes complicated. A plan that works well for a neighbor may not be right for you, especially if your prescriptions, doctors, or health needs differ. Compare your own information, and do not rely only on a plan's advertisements or a general recommendation.

Where Connecticut Seniors Can Get Help

Connecticut's Aging and Disability Resource Centers can help older adults, people with disabilities, and caregivers find information, check possible benefits, and discuss care options. Call 1-800-994-9422 and ask about Medicare counseling through CHOICES. You can also compare plans directly with the official Medicare Plan Compare tool or call Medicare at 1-800-MEDICARE (1-800-633-4227).

For one-on-one assistance, have your Medicare card, current plan information, medication list, and preferred doctors and pharmacies nearby. Never share your Medicare number or financial information with an unexpected caller or someone pressuring you to enroll.

A Simple Next Step

Set aside time before December 7 to compare next year's coverage and write down any questions. If you decide to change plans, follow the instructions from Medicare or the plan and keep a record of your confirmation. This article offers general information, not an individual plan recommendation; confirm coverage and costs with Medicare and the plan before enrolling.

October 21, 2026