The insurance calendar in Florida.
Enrollment windows open and close on fixed dates, and storms do not wait. These are the dates and deadlines that affect coverage for Hillsborough County households.
Through the year
Dates on the calendar.
January 1 to March 31
MedicareMedicare Advantage open enrollment
People already in a Medicare Advantage plan can switch plans once. This window is only for people who start the year in a Medicare Advantage plan. In Florida, moving to a Medicare Supplement usually requires health underwriting.
June 1 to November 30
Home insuranceAtlantic hurricane season
Insurers stop writing new policies once a watch or warning covers any part of Florida. Review your hurricane deductible and buy flood coverage before the season. Federal flood policies normally start 30 days after purchase.
September
Enrollment checklistMedicare Annual Notice of Change
Your plan mails next year's changes to premiums, copays and benefits. Read it before the enrollment period opens. Check your doctors and prescriptions against the changes.
October 15 to December 7
MedicareMedicare annual enrollment
Review or change a Medicare Advantage or Part D plan for January 1. Plans change their benefits and networks every year, so a plan that fit this year may not fit next year.
November 1 to January 15
Health insuranceHealth plan open enrollment
Enroll by December 15 for Marketplace coverage that starts January 1. Outside this window you need a qualifying event, such as losing other coverage, to enroll within 60 days.
January 1, 2027
Read the guideCitizens flood requirement
Every Citizens home policy with wind coverage must carry flood insurance. The rule applies whatever the home's value. Condo unit policies are exempt. Allow for the 30-day wait on a federal flood policy.
Your own deadlines
Clocks that start with a life event.
Turning 65
Your Initial Enrollment Period for Medicare is the seven months around the month you turn 65.
Starting Part B at 65
You have six months to buy a Medicare Supplement with no health questions.
Losing health coverage
You have 60 days to enroll in a Marketplace plan.
Moving to Florida
After taking a job or enrolling children in school, you have 10 days to register and insure your vehicle here.
After a car crash
PIP medical benefits are payable only if you get treatment within 14 days.
After damage to your home
A claim must be reported within one year of the loss, and a supplemental claim within 18 months.
Get a quote
A deadline coming up?
Tell us the date and what you need. We will work back from it so coverage is in place in time.