Calculator · CY2026 rules

Enrollment Period Finder

Enter a client’s date of birth and what’s going on in their life. See every Medicare enrollment window open to them on a given day, the date each one closes, and when coverage would start if they sign up today.

What it answers

The Initial Enrollment Period around 65, including the born-on-the-1st rule, and the first chance to join Medicare Advantage or Part D
When Part B starts if they sign up today, before, during or after the month they turn 65
The Part B Special Enrollment Period for job-based coverage, and the 8-month deadline after the job or coverage ends
The General Enrollment Period, Annual Enrollment, and Medicare Advantage Open Enrollment
Special Enrollment Periods for moving, losing Medicaid, losing creditable drug coverage, Medicaid and Extra Help, and 5-star plans
Medigap Open Enrollment: 6 months from the month Part B starts

For example: turning 65 on October 20, checked July 1 → 2 windows open, next deadline January 31 (214 days).

How it's worked out

Dates follow Medicare.gov’s published rules. Each window shows whether it is open, upcoming or closed on the date you pick, with the days left to its deadline.

Someone born on the 1st of a month turns 65, for Medicare, the month before their birthday month. Every age-65 date moves a month earlier.

Built for age-based Medicare. Disability and ESRD enrollment follow different timing.

Sources

Free tools for licensed insurance agents. Not for use by Medicare beneficiaries. Figures are CMS’s published amounts; Social Security, CMS and the plan make the final determination.

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