The Final 5 Days of AEP: How to Help Clients Make Smart Choices

As we approach the final stretch of Medicare’s Annual Enrollment Period (AEP), time is running out, but opportunity is not. Your clients are busy, distracted, and many still haven’t made final decisions. That’s where you come in. These last 5 days are your chance to provide clarity, save clients money, and position yourself as their trusted expert going into 2026. 

What’s Changing in 2026? 

Here are the key Medicare cost updates every agent should be ready to explain: 

Part B 

• Monthly Premium: $202.90 (up from $185.00 in 2025) 

• Annual Deductible: $283 (up from $257) 

Part A 

• Inpatient Hospital Deductible: $1,632 (unchanged) 

• *Most clients still receive premium-free Part A 

Part D 

• National average premium: ~$46.50/month (varies by plan) 

• Deductible: $615 (up from $590) 

• *Copays and coinsurance vary widely by plan and pharmacy 

What Should You Be Saying to Clients? 

Use these conversation starters in your calls and follow-ups: 

“These are the last 5 days to make changes. After December 7, you’ll be locked in for 2026 unless you qualify for a Special Enrollment Period (SEP).” 

“Part B and Part D costs are going up. Let’s review your medications and doctor network to make sure your plan still fits.” 

“Even if you’re happy with your plan, benefits often change. A quick check now could save you hundreds next year.” 

“Let’s see if there’s a better fit based on your updated health needs or prescriptions.” 

Who to Focus On This Week 

1. High-Utilization Clients 

Those with chronic conditions, multiple medications, or who see specialists often. 

2. High-Premium Members 

Clients paying above-average premiums should be reviewed for cost savings. 

3. Dual-Eligible & Low-Income Clients 

Ensure they are enrolled in the correct LIS/DSNP plan and getting the full range of benefits. 

4. MAPD Clients with Benefit Changes 

Many overlook ANOC (Annual Notice of Change) letters. A quick check can make a huge difference. 

Final Tip: Call Your Book 

Agents who proactively contact their clients in the final days of AEP consistently: 

• Close more business 

• Save clients from surprises 

• Recover lost or inactive clients 

• Build long-term loyalty 

Even a short call can uncover a better plan, clarify benefits, or identify changes that affect care or costs. 

Need Help? 

At Intouch Financial Group, we’re here to support you every step of the way: 

• Contact your local market leader 

• Reach out to our IFG agent support team 

• Use your tools, quoting systems, provider directories, and formulary checkers 

Let’s finish AEP strong and step into 2026 with confidence!!!