Medicare open enrollment will be happening from Oct. 15, 2025 to Dec. 7, 2025 with an effective date of Jan. 1, 2026.

Open enrollment for Blue Cross Blue Shield of Michigan, Blue Care Network, and off- marketplace individual coverage runs from Nov. 1, 2025 through Jan. 15, 2026

  • Enrollments from Nov. 1 to Dec. 15, 2025, will receive a Jan. 1, 2026 start date.
  • Enrollments from Dec. 16, 2025 to Jan. 15, 2026, will receive a Feb. 1, 2026 start date.

If you’d like more information on open enrollment and your options, visit Retailers.com/ services/group-insurance-programs or email MRA’s insurance expert, Ally Nemetz, at anemetz@retailers.com.