2026 Medicare Update: What You Need to Know Before Open Enrollment
Key changes are coming to Medicare’s premiums, out-of-pocket costs, plan options, and drug coverage.
Starting October 15, 2025, take action early to compare your plans and lock in better coverage for 2026.
Open Enrollment kicks off on October 15! Here’s a tip: Get a head start by creating your secure Medicare account at Medicare.gov/account. Another tip: Have your Medicare card handy to create your account.
It takes just a few minutes to create an account, then you’re all set for a better Open Enrollment shopping experience!
With your secure Medicare account, you’ll be able to easily compare plans during Open Enrollment:
- Check if there are any changes to your current coverage for 2026.
- Update your prescriptions and pharmacies to better compare drug plans.
- See if your providers are in-network for other plans you’re considering.
For over 20 years Pamela has been helping women improve their personal and financial wealth through solid financial life planning. Pamela’s education and training enable her to help clients successfully navigate through the myriad of financial decisions they face during their lives. She focuses on helping her clients meet their financial needs and help them work to achieve financial security and greater retirement readiness.
Pamela has become a strong voice in the area of personal finance for women. Her knowledge in this area has made her a sought-after speaker. She has been quoted in articles in various financial publications.
Throughout her financial services career, she has acquired several client service and financial planning awards. She has membership in the Million Dollar Roundtable (MDRT). Membership in MDRT is a highly recognized mark of excellence and limited to only the most successful in the financial services profession. This places Pamela among the top professionals in the global life insurance and financial services industry. Pamela was featured in the Women in Wealth section of Fortune Magazine November 2020 issue as a top Wealth Manager in the Washington DC metro area.
She successfully completed the demanding requirements to receive a Chartered Retirement Planning Counselor certification through the College of Financial Planning. Pamela also holds a Behavioral Financial Advisor designation, awarded to advisors who have undergone training to learn to help clients make financial decisions using a rational, values-based approach. Behavioral Financial Advisor’s integrate techniques founded in traditional finance, psychology and neuroscience to positively influence clients’ spending and saving behavior in the presence of challenging emotions.
Pamela is married, lives in Chantilly, VA and has three children. She devotes her free time to her family, her church, enjoys reading and loves to sing.
Securities offered through Securities America, Inc., a Registered Broker/Dealer, Member FINRA (SIPC). Advisory services offered through Securities America Advisors, Inc., a SEC Registered Investment Advisory Firm, Pamela Sams, Investment Advisor Representative.
