November 14, 2026 - KFF Answers Medicare Questions:

Can I be charged a higher premium for Medicare Advantage plans if I have a pre-existing condition or if I smoke?

No, Medicare Advantage plans charge the same premiums to all enrollees; they are not permitted to vary premiums based on age, smoking history, gender, or pre-existing medical conditions.

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KFF Answers Medicare Questions: Can I Switch From My Current Medicare Advantage Or Medicare Part D Plan To A Plan With A “5-Star” Quality Rating In My Area Outside The Open Enrollment Period?

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KFF Answers Medicare Questions: Is the Medicare Open Enrollment Period the Same As the Marketplace Open Enrollment Period? Can I Buy Medicare and Medigap Plans Through the Marketplace?

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While every effort has been made to provide accurate and up-to-date information in these FAQs, people should contact Medicare, Social Security, State Health Insurance Assistance Programs (SHIP), or companies offering Medicare Advantage and Medicare Part D plans and Medigap policies directly for guidance on individual circumstances.

Source: KFF