Guide
Can you change your Medicare agent? Yes. Here's how
The agent who enrolled you doesn't own your coverage. You can ask a different licensed agent for help at any time, and you don't need anyone's permission. What you can't always change right away is the plan itself.
Last reviewed October 26, 2026. General information, not advice about any plan.
Changing agents vs. changing plans
- Changing agents
- Any time. You simply start working with someone else.
- Changing plans
- Only at certain times, such as the fall Annual Enrollment Period (October 15 to December 7), or when a special situation like a move gives you a special enrollment period.
So if you're unhappy with your agent but happy with your plan, nothing about your coverage has to change. If you're unhappy with the plan, a new agent can help you plan the switch for the next time you're allowed to make one.
How to switch
Find a new agent and check their license
Make sure they're licensed in your state and represent the company that offers your plan, or the ones you're considering.Tell them what you have now
Bring your plan card, your doctors and your prescriptions. See what to bring in our checklist.Let them review your coverage
A good agent checks whether your current plan still fits and tells you honestly if it does.Switch plans only if it makes sense
If you do change plans during an enrollment period, the new agent becomes the agent on the new plan.
The old agent
You don't owe them notice. If they keep calling, tell them clearly that you don't want further contact, and ask to be put on their do-not-call list. If an agent pressured you, misled you, or enrolled you in a plan you didn't agree to, report it to your state's insurance department (your state's page under check a license has the number) and to 1-800-MEDICARE.
Common questions
Will changing agents change my plan?
No. Your plan, its benefits and your premium stay the same. Only a plan change, made during an enrollment period, changes your coverage.
Do I have to tell my old agent?
No. You can, if you'd like to be polite or to stop their calls, but you don't need their permission.
Can my new agent help me with my current plan?
They can answer questions and help you review it. Whether they can formally take over as the agent on your current plan depends on the insurance company.
Does it cost anything to switch agents?
No. Agents are paid by insurance companies, not by you.
Keep reading
- How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
- Medicare agent vs. broker: what's the difference?Agent, broker, producer: what the words mean, the one difference that really matters (how many companies they work with), and how to tell before you meet.
- How to check an insurance agent's licenseLook up any agent with your state's insurance department, in about two minutes.
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