Medicare open enrollment is officially underway, and this year’s changes could hit retirees harder than ever.

Millions of seniors are about to face higher out-of-pocket costs, shrinking benefits, and premium hikes that will take effect in 2026.

But there’s still time to avoid overpaying.

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Medicare open enrollment has run each fall since 2005, when the Part D prescription drug program was first introduced under President George W. Bush. The system now serves more than 65 million Americans.