Medicare Open Enrollment 2027 Arizona: The Notices You Shouldn’t Ignore Before October 15

Medicare Open Enrollment 2027 Arizona officially opens October 15 and runs through December 7 — seven weeks to review your coverage and make changes for next year. But the window itself isn’t the hard part; the hard part is the stack of notices that show up beforehand, which most people skim past without realizing what each one is actually telling them.

Medicare Open Enrollment 2027 Arizona: The Notices Already in Your Mailbox

By late September, you should have received your Annual Notice of Change (ANOC) and Medicare & You handbook. The ANOC is the one worth reading closely — it spells out exactly what’s changing in your Medicare Advantage or Part D plan for 2027: copay changes, dropped providers, and medications that may no longer be covered. If a plan is leaving your county or shutting down entirely, that comes as a separate Plan Non-Renewal or Termination Notice, which can arrive at any time and opens its own special enrollment period outside the normal AEP window.

On October 14, the 2027 cost-of-living adjustment (COLA) is announced, and Medicare’s 2027 Part B premium and Part A/B deductibles follow in late October or early November. Those two numbers are what let you actually estimate next year’s costs instead of guessing. IRMAA determination letters and Social Security COLA notices follow in November and December, showing your actual 2027 premiums and any income-based surcharges.

What to Actually Check Before December 7

With the ANOC in hand, confirm three things: that your current doctors and hospitals are still in network, that your medications are still covered at the tier you expect, and that your plan’s costs still fit your budget once the new premium and deductible numbers are out. It’s also worth pulling your 2026 Medicare Summary Notices or Explanations of Benefits to check for services you didn’t actually receive — errors are more common than people assume, and AEP is a natural time to catch them.

If Something Doesn’t Add Up

If your current plan no longer fits — a doctor dropped from the network, a medication moved to a higher tier, or a cost increase that doesn’t work for your budget — Open Enrollment is your window to switch before December 7, with new coverage taking effect January 1. Setting up a my Social Security or Medicare.gov account can get these notices to you by email sooner, so you’re not relying on paper mail timing.

*This article is for general educational purposes and is not a comparison of specific plans or an endorsement by Medicare or any government agency. Dates and notice descriptions are from Kiplinger’s 2027 Medicare Open Enrollment guide; confirm your own plan’s specific changes directly through your ANOC or Medicare.gov.*