Medicare Part D in 2027: Plans by State & City
Medicare Part D covers prescription drugs. These guides explain how coverage works in 2027 — the deductible, the out-of-pocket cap, and the three phases — by state and city.
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Will your prescriptions still be covered in 2027?
Part D plans rewrite their drug lists every year — tiers move, pharmacies change, drugs drop off. One call checks your exact medications against the 2027 plans in your area.
- Every prescription checked, name by name
- Your pharmacy checked for preferred pricing
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Will your prescriptions still be covered in 2027?
Drug lists change every year. One call checks your exact medications against the 2027 plans in your area.
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In the United States for 2027, a Medicare Part D plan's deductible can be no more than $700, and out-of-pocket costs for covered drugs are capped at $2,400 for the year.
In the United States for 2026, the maximum Part D deductible is $615 and the out-of-pocket cap on covered drugs is $2,100.
In the United States, the 2027 Part D base beneficiary premium, the national figure CMS uses to set late-enrollment penalties, is $41.33 a month.
| Fact | Figure | Source |
|---|---|---|
| Part D out-of-pocket cap, 2027 | $2,400 | CMS CY2027 Part D announcement |
| Maximum Part D deductible, 2027 | $700 | CMS CY2027 Part D announcement |
| Part D base beneficiary premium, 2027 | $41.33 a month | CMS CY2027 Part D bid information |
| Part D out-of-pocket cap, 2026 | $2,100 | CMS 2026 Part D figures |
| Maximum Part D deductible, 2026 | $615 | CMS 2026 Part D figures |
| Income above which IRMAA applies (individual), 2026 | $109,000 | SSA/CMS 2026 IRMAA brackets |
Part D comparison chart
2027 Medicare Part D plans: national comparison chart
For 2027, CMS lists 323 stand-alone Medicare Part D plans nationwide from 15 insurance companies, down from 367 in 2026. Monthly premiums for 2027 stand-alone Part D plans nationwide range from $5.30 to $326, compared with $0 to $238.60 in 2026.
Part D plans are offered by region, so each plan counts once however many states it serves; the premium range spans every region.
| Measure | 2027 | 2026 |
|---|---|---|
| Stand-alone Part D plans | 323 | 367 |
| Insurance companies | 15 | 18 |
| Monthly premium range | $5.30 to $326 | $0 to $238.60 |
| Plans with a $0 monthly premium | 0 | 70 |
| Plans with a $0 deductible | 3 | 40 |
| Benchmark plans ($0 premium with full Extra Help) | 63 | 88 |
| Standard Part D deductible | $700 | $615 |
| Yearly out-of-pocket drug cap | $2,400 | $2,100 |
Part D insurance companies in the U.S.
| Insurance company | 2027 plans | 2026 plans |
|---|---|---|
| Aetna Medicare | 20 | 33 |
| Arkansas Blue Medicare | 2 | 2 |
| Blue Cross and Blue Shield of IL, NM, OK, TX | 40 | 8 |
| Blue Cross and Blue Shield of Kansas | 3 | 3 |
| Blue Cross and Blue Shield of North Carolina | 2 | 2 |
| Blue Cross Blue Shield of Michigan | 2 | 2 |
| Blue Cross Blue Shield of South Carolina | 0 | 1 |
| Blue MedicareRx | 2 | 2 |
| Blue Shield of California | 2 | 2 |
| BlueRx (PDP) | 2 | 2 |
| Florida Blue | 2 | 2 |
| HealthSpring | 0 | 60 |
| Highmark Blue Shield | 0 | 2 |
| Horizon Blue Cross Blue Shield of New Jersey | 2 | 2 |
| Humana | 102 | 102 |
| MedicareBlue Rx | 1 | 1 |
| UnitedHealthcare | 73 | 73 |
| Wellcare | 68 | 68 |
Premiums vary by plan, and these figures do not show which drugs a plan covers or what you would pay at the pharmacy. Confirm premiums, deductibles and drug coverage for your prescriptions on Medicare.gov’s Plan Finder.
Source: CMS CY2027 Landscape Source File (CY2027_Landscape_202609.csv, release 202609.1, data last updated September 22, 2026) and CMS CY2026 Landscape Source File (CY2026_Landscape_202609.csv, release 202609, data last updated September 2, 2026), stand-alone prescription drug plan (PDP) rows. The files are published on CMS’s Prescription Drug Coverage page. Counts only; no plan is ranked or recommended.
Good to know
Medicare Part D questions for the United States (2027)
What is the Medicare Part D out-of-pocket cap for 2027 in the United States?
What is the maximum Part D deductible for 2027?
What is the Part D base beneficiary premium for 2027?
How many Medicare Part D plans are available nationwide for 2027?
How much does Medicare Part D cost nationwide in 2027?
How many Part D plans nationwide cost $0 with Extra Help in 2027?
Prescription coverage
How Medicare Part D works in 2027
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,400 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
Try it
How the 2027 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the $2,400 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,400, you pay nothing more for the rest of 2027. Confirm details at Medicare.gov.
Try it
Find your 2026 Medicare premium
Most people pay the standard Part B premium. If your 2024 income was higher, an income-related surcharge (IRMAA) applies. Enter your details to see your bracket.
Surcharges are added to your premiums and based on your 2024 tax return. Married-filing-separately uses a different schedule. Confirm at Medicare.gov.
Latest Medicare Part D news
- Alaska Part D for 2027: 9 Drug Plans
- Louisiana Part D for 2027: 8 Drug Plans, Down From 10
- Hawaii Part D for 2027: 8 Drug Plans
- Maine Part D for 2027: 8 Drug Plans, Down From 9
- New Mexico Part D for 2027: 10 Drug Plans, Down From 11
- Utah Part D for 2027: 8 Drug Plans, Down From 10
- Kansas Part D for 2027: 12 Drug Plans
- Mississippi Part D for 2027: 9 Drug Plans, Down From 10
- Arkansas Part D for 2027: 11 Drug Plans, Down From 12
- Nevada Part D for 2027: 9 Drug Plans, Down From 10
- Oklahoma Part D for 2027: 9 Drug Plans, Down From 11
- Colorado Part D for 2027: 8 Drug Plans, Down From 10
- South Carolina Part D for 2027: 8 Drug Plans, Down From 11
- Maryland Part D for 2027: 9 Drug Plans, Down From 10
- Wisconsin Part D for 2027: 8 Drug Plans, Down From 10
- Missouri Part D for 2027: 9 Drug Plans, Down From 10
- Indiana Part D for 2027: 8 Drug Plans, Down From 10
- Tennessee Part D for 2027: 11 Drug Plans, Down From 12
- Massachusetts Part D for 2027: 10 Drug Plans, Down From 11
- Washington Part D for 2027: 8 Drug Plans, Down From 10
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By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.