When is the Medicare General Enrollment Period?

The GEP runs from January 1 through March 31 each year.

When does coverage start if I enroll during the GEP?

Coverage starts the first day of the month after you sign up. If you enroll in January, coverage begins February 1. If you enroll in February, coverage begins March 1. If you enroll in March, coverage begins April 1. There is no retroactive coverage through the GEP.

Will I face a penalty if I enroll during the GEP?

Yes, in most cases. A permanent Part B late enrollment penalty of 10% per full 12-month period applies for each year you were eligible but not enrolled without qualifying coverage. In 2026, one year of delay adds roughly $20.29/month permanently to your Part B premium.

Do I have to wait for the GEP if I have a Special Enrollment Period?

No. A Special Enrollment Period lets you enroll at any time during your 8-month window — not just January through March. If a SEP is available, use it rather than waiting for the GEP. A SEP may also allow you to avoid the late enrollment penalty.

What qualifies for a Special Enrollment Period instead of the GEP?

Active group health coverage based on current employment at an employer with 20 or more employees — your own or a spouse's. When that coverage ends, you have 8 months to enroll in Part B penalty-free. COBRA, retiree coverage, Marketplace plans, and VA coverage do not qualify as the basis for a Part B SEP.

Medicare GEP: Jan. 1-March 31, Coverage Starts Next Month

GEP runs Jan. 1-March 31. Coverage starts the month after you sign up. A Part B late penalty may apply if you missed your IEP.

Frequently Asked Questions

When is the Medicare General Enrollment Period?: The GEP runs from January 1 through March 31 each year.
When does coverage start if I enroll during the GEP?: Coverage starts the first day of the month after you sign up. If you enroll in January, coverage begins February 1. If you enroll in February, coverage begins March 1. If you enroll in March, coverage begins April 1. There is no retroactive coverage through the GEP.
Will I face a penalty if I enroll during the GEP?: Yes, in most cases. A permanent Part B late enrollment penalty of 10% per full 12-month period applies for each year you were eligible but not enrolled without qualifying coverage. In 2026, one year of delay adds roughly $20.29/month permanently to your Part B premium.