Part D in 2027: 5 numbers

Swipe for the figures Medicare lists for 2027, checked Oct. 24, 2026.

1. Deductible: up to $700

No plan may charge more than $700, up from $615 in 2026. Some plans have no deductible.

2. Cap: $2,400

Once your covered-drug spending reaches $2,400 (was $2,100), you pay nothing more for covered drugs that year.

3. Coinsurance: 25%

Standard design stays at 25% after the deductible. Plans may use copays if at least as generous overall.

4. Average premium: $36

CMS: stand-alone average $36 a month, vs $35.09 in 2026. Your own plan may differ widely.

5. A premium program ends

CMS says the Premium Stabilization Demonstration ends after 2026, so the cheapest plan this year may change.

Switch window: Oct. 15 to Dec. 7

Fall open enrollment closes December 7, 2026. Coverage starts January 1.

Read the full guide

Worked example, Extra Help limits and a 9-step checklist: finovativehub.com/?p=1159. General education, not advice.