ROY (Rest of Year): How Agents Can Stay Productive Outside Enrollment Season
ROY (Rest of Year) is a quieter time for plan changes that still offers meaningful opportunities when a client qualifies for a Special Enrollment Period (SEP).For 2026, ROY runs from April 1, 2026, through October 14, 2026, with AEP beginning October 15, 2026. While ROY is lower‑volume than peak season, it’s a critical time for retention, compliance, and preparing your book for long‑term success.
ROY Checklist for Agents
✅ SEP & Eligibility Verification
- Confirm the SEP type and qualification
- Track start and expiration dates—many SEPs are time‑limited
- Collect required documentation (QLE proof, loss of coverage, Medicaid termination, etc.)
- Verify carrier‑specific submission deadlines
✅ Compliance Awareness
- Follow carrier‑approved marketing and enrollment scripts
- Use appropriate Scope of Appointment (SOA) for Medicare
- Remember: Medicare and ACA rules differ, and requirements can also vary by carrier
- Stay current with CMS and state guidance year‑round
✅ Client Outreach & Retention
- Proactively check in with clients experiencing life or income changes
- Clearly explain what can—and cannot—be changed during ROY
- Position ROY conversations as preparation for the next enrollment season
✅ CRM & Organization
- Track SEP type, start date, and end date per client
- Prioritize outreach as SEP deadlines approach
- Maintain clear notes for audit readiness and future renewals
Not affiliated with or endorsed by Medicare or any government agency.