Medicare Part D 2027 Cost Change Estimator
Confirmed (CMS 2027 Rate Announcement)
National average (not your plan)
The 2027 base beneficiary premium of $41.33 was announced by CMS on July 28, 2026 (capped at +6% a year by the Inflation Reduction Act). It is a national formula figure, not a per-plan premium — CMS itself says actual premiums vary by plan and aren't finalized until each insurer files its own rates. Some standalone plans may rise more as a temporary federal subsidy ends Dec 31, 2026.
Free 2027 Medicare Part D cost breakdown — confirmed CMS figures (deductible, out-of-pocket cap) clearly separated from estimated national averages, plus an annual enrollment period countdown. No ZIP code or personal info required.
How it works
- See the confirmed 2027 standard deductible and out-of-pocket cap, per the CMS 2027 Rate Announcement
- See the CMS-announced national average base premium change — not your personal premium
- See how many days remain in the annual enrollment period (Oct 15 - Dec 7)
Frequently asked questions
How much will my premium actually go up?
This tool doesn't calculate your individual premium — it shows the CMS-reported national average base premium change only. Actual premiums vary widely by plan and state. Check medicare.gov's Plan Finder or your insurer directly for your specific plan.
Why is the premium figure labeled 'estimated' but the deductible isn't?
The $700 deductible and $2,400 out-of-pocket cap are figures CMS formally finalized in its 2027 Rate Announcement. Individual plan premiums are set by each insurer and vary — CMS itself describes the national average as a rough guide, not a per-plan guarantee.
Is this medical or insurance advice?
No. This tool summarizes publicly confirmed CMS figures for general planning purposes and is not a substitute for advice from a licensed insurance agent, SHIP counselor, or Medicare representative.
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Update history
- 2026-10-03 The 2027 base beneficiary premium of $41.33 is now shown as announced by CMS (July 28, 2026) instead of an estimate. Individual plan premiums still vary and are not covered.
- 2026-09-28 Launched: confirmed vs estimated 2027 Medicare Part D figures (deductible $615->$700, OOP cap $2,100->$2,400 per CMS), plus AEP countdown. Deliberately excludes the unverifiable '45% of enrollees / $10-20 per month' claim found in some secondary coverage. Entirely client-side.