When Can I Sign Up for Medicare? 2026 Initial Enrollment Period Calculator

Q: What if I miss my Initial Enrollment Period?

You can sign up during the General Enrollment Period, January 1 to March 31 each year, though a late penalty may apply.

Your date of birth

Your Initial Enrollment Period (IEP)

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How the Initial Enrollment Period works

Your IEP is a 7-month window: the 3 months before the month you turn 65, your birthday month, and the 3 months after. Signing up in the 3 months before your birthday month means coverage can start the month you turn 65 — sign up later and coverage can be delayed.

If your birthday is on the 1st of the month, Medicare treats you as turning 65 the previous month, so your whole window shifts one month earlier.

Frequently asked questions

What is the Medicare eligibility age?

65 for most people. You can first sign up during your Initial Enrollment Period, the 7 months around your 65th birthday.

What if I miss my Initial Enrollment Period?

You can sign up for Part A and/or Part B during the General Enrollment Period, January 1 – March 31 each year, though a late penalty may apply. See the penalty calculator.

Should I sign up if I'm still working?

If you have qualifying employer coverage you may delay without penalty and use a Special Enrollment Period later. Check the enrollment finder or confirm with Medicare.