If you turn 65 in 2026, you have a seven-month window to sign up for Medicare to avoid coverage gaps and penalties. Some are auto-enrolled, but others must enroll via Social Security online, phone, or in person. New 2026 changes include a $2,100 out-of-pocket drug cap and lower medication prices. Consider adding Part D for prescriptions and Medigap for extra coverage. Enroll early to ensure seamless healthcare transition.