Medicare Open Enrollment runs from October 15 2025 through December 7 2025 each year. During this time, you can join, switch, or drop a Medicare Advantage or Prescription Drug plan, with changes taking effect on January 1.

You can switch from Original Medicare to a Medicare Advantage plan, change Medicare Advantage plans, or add, drop, or change your Part D prescription drug coverage.

Plans and costs can change annually. Reviewing your plan ensures you’re still getting the best coverage and value for your health needs and budget.

If you don’t make changes, your current plan automatically renews—but if benefits or premiums change, you may end up paying more or losing certain coverage options.

A licensed agent can compare plans side-by-side, explain your benefits in plain language, and help you enroll in the plan that fits your medical and financial situation.

Most policies cover your home structure, personal belongings, and liability protection in case of accidents or damage caused by covered events like fire, theft, or storms.

You should have enough coverage to rebuild your home and replace your belongings if they’re destroyed. Your agent can help estimate a proper replacement cost value.

No. Standard policies don’t cover flood or earthquake damage, but you can purchase separate policies or add-ons for those risks.

A professional ensures your taxes are accurate and compliant, helps you maximize deductions and credits, and can represent you if the IRS has questions.

Bring your W-2s, 1099s, deduction receipts, identification, and last year’s return. If you’re self-employed or own property, bring records of income and expenses as well.