The numbers CMS has published
In 2027 the annual Part D out-of-pocket threshold is $2,400, up from $2,100 in 2026. After you reach that amount for covered Part D drugs, you generally pay $0 for those drugs for the rest of the year. The standard maximum deductible rises from $615 to $700. A plan can use a lower deductible. The 2027 base premium in Medicare’s formula is $41.33. That is a formula number, not your bill. These figures are in the CY 2027 Rate Announcement, Attachment V, and on Medicare.gov.
What is published, and what is not
Four different things get called “2027 drug data. ” They are not the same.
1. The benefit rules are published. The maximum deductible is $700. The out-of-pocket threshold is $2,400. After that threshold, covered Part D drugs are generally $0 for the rest of the year.
2. Plan premiums and filed benefits are published. CMS released the 2027 landscape in late September 2026 and average premium figures on September 28, 2026. This site’s 2027 plan lists use the landscape dated September 22, 2026, and the benefits filed October 1, 2026. A plan’s own deductible can be less than $700.
3. Drug lists and many 30-day tier prices are published. The drug cost check uses the CMS The plan’s drug list. It says which prescriptions are covered and which cost tier they are on. and beneficiary cost files dated October 8, 2026, posted October 15, 2026. A tier price is not the same as a quote for your dose at your pharmacy. A percent coinsurance still depends on the drug’s price. A row is not proof the pharmacy will charge that amount.
4. What is still not final: the 2027 Part B premium and deductible, the 2027 Part A deductible, and 2027 An extra amount some people with higher incomes pay on top of the Part B and Part D premiums. Social Security decides it. It is not a plan fee.. Those are not Part D plan files. Checked October 19, 2026, CMS had not posted them.
What is not your premium
The premium you pay depends on the plan, the pharmacy, and whether Extra Help or An extra amount some people with higher incomes pay on top of the Part B and Part D premiums. Social Security decides it. It is not a plan fee. applies. The temporary premium stabilization demonstration ends after 2026, so a premium can change even when the cap goes up. Read the Annual Notice of Change. Compare the drugs, not only the premium, on the Part D plan list.
Extra Help still changes the math
Extra Help, the Part D Low-Income Subsidy, can lower a premium, the deductible, and copays for people who qualify. Social Security decides that. This site cannot. The CMS rate announcement sets these 2027 maximum copays for full Extra Help, before the $2,400 threshold. The deductible for these categories is $0.
Full dual eligible, not in a nursing home, income at or under 100% of the federal poverty level: $1.65 for a generic or preferred multi-source drug, and $5.00 for other covered drugs.
Full dual eligible between 100% and 150% of poverty, and other people with full Extra Help: $5.80 and $14.40.
People in a nursing home, or certain home-and-community-based services, are generally $0.
After the $2,400 threshold, those copays are generally $0 for the rest of the year. The 2027 resource limits were not in that table. The 2026 copay page stays at Extra Help copay levels. Use the Extra Help screener as an estimate, then apply at Social Security. A late Part D penalty can also be waived for someone with Extra Help.
The rest of the 2027 changes
Negotiated prices for another 15 Part D drugs take effect in 2027. The Medicare Prescription Payment Plan continues. It spreads what you owe. It does not lower it. Part B’s 2027 premium is not final. The wider list is in Medicare changes for 2027.