I f Medicare's calendar feels confusing, you're not alone. There are several "windows," each with its own rules about what you can do and when coverage starts. Once you know which window applies to you, decisions get much simpler. Here's a plain-English guide for 2026 and 2027 from our office in Oklahoma City. It's October: 2027 Plans Are Here Starting October 1 each year, Medicare Advantage and Part D drug plans may begin marketing next year's plans. That's why the Medicare