Benefits Council Insights · CMS 2027 plan data
Medicare Part D in 2027: The $2,400 Cap, State by State
In 2027, out-of-pocket costs for covered Part D drugs are capped at $2,400 a year. Here's how many stand-alone drug plans each state has, and the lowest premium CMS lists.
Stand-alone Part D plans in each state
| State | Plans | Lowest monthly premium |
|---|---|---|
| Alabama | 11 | $5.30 |
| Florida | 11 | $5.30 |
| Georgia | 9 | $5.30 |
| Iowa | 9 | $5.30 |
| Indiana | 8 | $5.30 |
| Kansas | 12 | $5.30 |
| Kentucky | 8 | $5.30 |
| Maryland | 9 | $5.30 |
| Maine | 8 | $5.30 |
| Michigan | 11 | $5.30 |
| Missouri | 9 | $5.30 |
| Montana | 9 | $5.30 |
| North Carolina | 11 | $5.30 |
| Nevada | 9 | $5.30 |
| Oregon | 8 | $5.30 |
| Pennsylvania | 8 | $5.30 |
| South Carolina | 8 | $5.30 |
| Tennessee | 11 | $5.30 |
| Texas | 10 | $5.30 |
| Utah | 8 | $5.30 |
| Virginia | 9 | $5.30 |
| Washington | 8 | $5.30 |
| Wisconsin | 8 | $5.30 |
| West Virginia | 8 | $5.30 |
What the cap does and doesn't do
Once your out-of-pocket spending on covered Part D drugs reaches the cap, you pay $0 for covered drugs for the rest of the year. The cap doesn't cover drugs your plan doesn't include, and it doesn't count your monthly premium, so the plan that covers your specific medicines still matters most.
Methodology
Benefits Council analysis of the CMS 2027 Medicare Advantage and Part D Landscape file (CY2027_Landscape_202610.csv), covering the 24 states where our agents are licensed. Plans are counted once per county where CMS lists them; sanctioned plans are excluded. Plan availability can change; confirm details with the plan before you enroll. Reporters and bloggers are welcome to cite these figures with a link to this page.
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