When the Medicare open-enrollment season for 2026 starts on October 15, brace yourself for some big, and potentially costly, changes.

Premium hikes for both medical and drug coverage, shrinking benefits on some private insurers’ Medicare Advantage plans and a few rule changes mean it will be especially wise to research your choices to protect your health and save money.

Yet, nearly seven out of 10 Medicare beneficiaries don’t compare plan options, according to a study last year by health policy and research firm KFF. That can be an expensive error — even if you’re satisfied with your current coverage. ARTICLE