Medicare
Medicare in 2027: Dates, Costs & Subsidy Help
Every confirmed 2027 Medicare enrollment window and cost figure in one place. Figures Medicare has not yet published are marked pending — we never estimate.
No cost, no obligation. Brokers are paid by the carrier and can compare plans side-by-side for your situation.
Request a broker →2027 enrollment dates
*NEW 2027 The Annual Enrollment Period for 2027 coverage runs October 15 – December 7, 2026. Plans selected during AEP take effect January 1, 2027. 2027 plans appear in Medicare Plan Finder starting October 1, 2026.
- Annual Enrollment Period (MA & Part D) *NEW 20272026-10-15 → 2026-12-07 · coverage starts 2027-01-01
- Medicare Advantage Open Enrollment *NEW 20272027-01-01 → 2027-03-31
- General Enrollment (Part A & B) *NEW 20272027-01-01 → 2027-03-31
New to Medicare? Your Initial Enrollment Period is the 7-month window around your 65th birthday month (3 months before through 3 months after).
Part D out-of-pocket cap
*NEW 2027 The Part D cap was $2,000 in 2025 and $2,100 in 2026. Once you hit the cap, you pay $0 for covered Part D drugs for the rest of the year. The Medicare Prescription Payment Plan (monthly installment billing for drug costs) continues in 2027.
Pending: the final 2027 cap is set in the CMS Rate Announcement (April 2026). This page updates when the official figure publishes.
Subsidy help: Extra Help & Medicare Savings Programs
Two programs lower Medicare costs for people with limited income:
- Extra Help (Low-Income Subsidy) — caps Part D premiums, deductibles, and copays. Apply through Social Security any time of year.
- Medicare Savings Programs — state Medicaid programs that pay the Part B premium (and sometimes deductibles/copays) for qualifying beneficiaries.
Pending: 2027 income and resource limits for Extra Help are published by SSA in early 2027; Medicare Savings Program limits update with the federal poverty guidelines. We link the official applications below rather than estimate thresholds.
Medicare premium & subsidy calculator
*NEW 2027 Enter your income, age, and state to estimate your monthly Part B premium (including income-based IRMAA surcharges), Part D surcharges, and whether you likely qualify for Extra Help or a Medicare Savings Program.
Estimated monthly Part B premium (2026 figures)
$243.48
$202.90 standard + $40.58 late-enrollment penalty
Part D income surcharge (monthly)
$0.00
Added to your plan's premium if your income is above the IRMAA threshold.
Income vs. poverty guideline
188% FPL
2026 guideline for the 48 contiguous states and DC.
Income appears above Medicare Savings Program minimums (up to 135% FPL). Some states set higher limits — check with your state Medicaid office.
Income appears above the Extra Help threshold (about 150% FPL).
*NEW 2027 Uses official 2026 figures — the most recent published. The 2027 Part B premium and IRMAA brackets are announced by CMS in November 2026; this calculator updates when they publish. Age does not change the Part B premium itself, but it drives late-enrollment penalties and Medigap pricing; your state affects subsidy limits. This is an educational estimate, not a determination — confirm with Social Security and your state Medicaid office.
2027 figures not yet published
Medicare announces several 2027 figures later in 2026 and early 2027. Rather than guess, we list what is pending and when to expect it:
- Part B standard monthly premium & annual deductiblePending — expected November 2026
Announced by CMS each fall. 2026 amounts: $202.90/mo premium, $283 deductible.
- Part A inpatient deductiblePending — expected November 2026
Announced with the Part B figures. 2026 amount: $1,736 per benefit period.
- Part D out-of-pocket cap for 2027Pending — expected April 2026 Rate Announcement
Cap was $2,000 in 2025 and $2,100 in 2026; the 2027 cap is set in the final Rate Announcement.
- IRMAA income brackets (Part B & Part D surcharges)Pending — expected November 2026
Higher-income surcharges are based on 2025 tax returns for 2027.
- Extra Help (Low-Income Subsidy) income & resource limitsPending — expected Early 2027
Set by SSA. Extra Help caps 2027 drug costs for qualifying beneficiaries.
- Medicare Savings Program income limitsPending — expected Early 2027
State Medicaid programs pay Part B premiums for qualifying beneficiaries; limits update with the federal poverty guidelines.
Medicare coverage by state — find plans near you
Medicare Advantage and Part D plans are sold by state and county, so coverage near you depends on where you live. Pick your state to see carriers, enrollment, and 5-star plan counties on the interactive map — then check 2027 carrier filings and effective dates.
- Medicare in AlabamaView →
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- Medicare in ArkansasView →
- Medicare in CaliforniaView →
- Medicare in ColoradoView →
- Medicare in ConnecticutView →
- Medicare in DelawareView →
- Medicare in District of ColumbiaView →
- Medicare in FloridaView →
- Medicare in GeorgiaView →
- Medicare in HawaiiView →
- Medicare in IdahoView →
- Medicare in IllinoisView →
- Medicare in IndianaView →
- Medicare in IowaView →
- Medicare in KansasView →
- Medicare in KentuckyView →
- Medicare in LouisianaView →
- Medicare in MaineView →
- Medicare in MarylandView →
- Medicare in MassachusettsView →
- Medicare in MichiganView →
- Medicare in MinnesotaView →
- Medicare in MississippiView →
- Medicare in MissouriView →
- Medicare in MontanaView →
- Medicare in NebraskaView →
- Medicare in NevadaView →
- Medicare in New HampshireView →
- Medicare in New JerseyView →
- Medicare in New MexicoView →
- Medicare in New YorkView →
- Medicare in North CarolinaView →
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- Medicare in OregonView →
- Medicare in PennsylvaniaView →
- Medicare in Rhode IslandView →
- Medicare in South CarolinaView →
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- Medicare in TennesseeView →
- Medicare in TexasView →
- Medicare in UtahView →
- Medicare in VermontView →
- Medicare in VirginiaView →
- Medicare in WashingtonView →
- Medicare in West VirginiaView →
- Medicare in WisconsinView →
- Medicare in WyomingView →
Medigap rate history
Shopping a Medicare Supplement for 2027? See approved base-rate increase history by carrier and state for Plan G, Plan N, and High-Deductible G.
View rate historyFrequently asked questions
When is Medicare open enrollment for 2027?
The Annual Enrollment Period runs October 15 – December 7, 2026, with coverage effective January 1, 2027. The Medicare Advantage Open Enrollment Period runs January 1 – March 31, 2027.
What is the Part D out-of-pocket cap for 2027?
The cap was $2,000 in 2025 and $2,100 in 2026. The final 2027 cap is set in the CMS Rate Announcement; we update this page when the official figure publishes.
What subsidies help with Medicare costs?
Extra Help caps Part D drug costs, and state Medicare Savings Programs can pay Part B premiums. 2027 income limits publish in early 2027 — apply through Social Security or your state Medicaid office.
When can I see 2027 plans?
2027 Medicare Advantage and Part D plans appear in Medicare Plan Finder starting October 1, 2026.
Where can I find 2027 Medicare coverage near me?
Plans are sold by state and county, so what is available near you depends on where you live. Pick your state above to see carriers, enrollment, and 5-star plan counties on our map, then compare 2027 plans in the official Medicare Plan Finder.
How do I compare 2027 Medicare plans in my state?
Open your state's map panel for carrier counts and enrollment, check its 2027 carrier filings for effective dates, then confirm plan details in Medicare Plan Finder or with a licensed broker in your state.
Sources
Opens the official Medicare Plan Finder in a new browser tab.Compare 2027 Plans on Medicare.gov(opens in a new tab)- Medicare.gov — When can I join a health or drug plan (official enrollment periods)(opens in a new tab)
- SSA — Extra Help with Part D costs (official application)(opens in a new tab)
- Medicare.gov — Medicare costs (Part A & B premiums and deductibles)(opens in a new tab)
- Medicare.gov — Medicare Savings Programs(opens in a new tab)