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When Should You Switch Medicare Plans During AEP? A Decision Framework

Not everyone should switch Medicare plans every year. Here's a practical framework for deciding when staying put is the right call — and when switching is worth the hassle.

Jill Syfrett·October 15, 2025·5 min read

This article is currently being finalized. Check back soon for the full decision framework.

What This Article Will Cover

  • The default: why auto-renewal isn't always wrong
  • 5 clear signals that you should switch plans
  • The hidden costs of switching: new deductibles, network adjustments, formulary changes
  • How to calculate whether a switch saves money net of switching costs
  • The provider continuity question: when network matters more than premium
  • What to do if you miss AEP (OEP and SEP options)

Want help deciding? Book a free AEP review.

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