Medicare 2026
Medicare in Arizona for 2027: 21 Advantage Plans Leaving, 36 New, and What Else Changes
PHOENIX — Arizonans on Medicare will see a bigger slate of Medicare Advantage choices for 2027, along with a smaller stand-alone Part D menu and the next step down in the Part D out-of-pocket cap. The federal landscape files for Arizona show 148 Medicare Advantage plans offered statewide in 2027, up from 133 in 2026, with 21 plans leaving somewhere in the state, 36 new plans, and 31 others changing a premium, drug deductible, plan type or plan name across 15 counties. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice made during it takes effect January 1, 2027.
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Key takeaways
- Arizona has 148 Medicare Advantage plans listed for 2027, with 21 leaving, 36 new, and 31 changing across 15 counties.
- If a plan is not returning in 2027, the member gets a Special Enrollment Period that runs through February to pick a new plan or return to Original Medicare.
- Stand-alone Part D plans in Arizona drop to 9 for 2027 from 10 in 2026, offered by 5 insurers.
- The Part D out-of-pocket cap falls to $2,400 in 2027 from $2,100 in 2026, and no Part D plan may charge a deductible above $700.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is changing with Medicare Advantage in Arizona for 2027?
Arizona will have 148 Medicare Advantage plans in 2027, compared with 133 in 2026. Inside that total, 21 plans are not returning anywhere in the state, 36 are new, and 31 are changing a premium, drug deductible, plan type or plan name. Those changes touch 15 counties.
Because Medicare Advantage is sold county by county, the statewide numbers do not describe any one ZIP code. The plans available at a given address, and the details of each, are shown on the Medicare Plan Finder at medicare.gov.
Two pieces of mail do the heavy lifting here. Current members should have received an Annual Notice of Change (ANOC) by late September 2026 describing what their plan looks like in 2027. If a plan is not being offered in 2027, the insurer sends a separate non-renewal letter. That letter triggers a Special Enrollment Period that runs through February 2027, giving the member time to choose another Medicare Advantage plan or move back to Original Medicare and, if desired, add a stand-alone Part D plan.
Which Arizona counties have the most Medicare Advantage change for 2027?
Five Arizona counties account for most of the churn in 2027. Pima County has 14 plans leaving and 20 changing. Maricopa County has 13 leaving and 20 changing. Pinal County has 9 leaving and 15 changing. Santa Cruz County has 7 leaving and 11 changing. Graham County has 7 leaving and 7 changing.
A "leaving" plan is one that will not be offered in that county in 2027. A "changing" plan is still offered but has a different premium, drug deductible, plan type or plan name, which is enough reason to open the ANOC and compare it to what is on Medicare Plan Finder for 2027.
How many stand-alone Part D drug plans will Arizona have in 2027?
Arizona will have 9 stand-alone Part D prescription drug plans in 2027, down from 10 in 2026, from 5 insurers. Stand-alone Part D is the drug coverage that pairs with Original Medicare or with a Medicare Advantage plan that does not include drugs.
Anyone whose current Part D plan is among those not continuing will get a non-renewal letter from the insurer. Everyone else should still read the ANOC: the formulary, tiers and pharmacy network can change year to year. The side-by-side comparison for a given ZIP code lives on Medicare Plan Finder.
How many Medigap insurers are listed for Arizona in 2027?
Medicare.gov lists 29 Medigap insurers for a ZIP code in Arizona. Medigap, also called Medicare Supplement Insurance, works only with Original Medicare and helps pay some of what Part A and Part B leave behind.
Medigap has its own enrollment rules, separate from the Annual Enrollment Period for Medicare Advantage and Part D. The protections tied to the initial Medigap open enrollment window and the limited guaranteed-issue situations are explained on medicare.gov.
What are the national Medicare numbers Arizonans should know for 2027?
For 2027, the Part D out-of-pocket cap is $2,400, down from $2,100 in 2026. No Part D plan may charge a deductible higher than $700. The Part D base beneficiary premium for 2027 is $41.33; that is a national figure used in the Part D late-enrollment penalty calculation, not the premium of any particular plan.
The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The 2027 standard Part B premium and deductible, and the 2027 IRMAA income-related surcharges, had not yet been announced by CMS at the time of writing; they are usually released in the fall.
What should an Arizonan on Medicare do before December 7, 2026?
Before December 7, 2026, each person on Medicare in Arizona has a short, concrete list to work through:
- Find the Annual Notice of Change from the current Medicare Advantage or Part D plan and read the 2027 column.
- Watch for a non-renewal letter; if one arrives, the Special Enrollment Period runs through February 2027.
- Make a current list of prescriptions, pharmacies and regular doctors.
- Compare 2027 plans for the home ZIP code on the Medicare Plan Finder at medicare.gov.
- If staying with Original Medicare, confirm the Part D plan for 2027 and, separately, review Medigap options under the Medigap rules.
A choice made during Annual Enrollment 2027 takes effect January 1, 2027.
Where can Arizonans get free help with Medicare for 2027?
The two free, non-sales resources are medicare.gov, which hosts the Plan Finder and the official plan details, and 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, seven days a week. Both can confirm what is offered at a specific address for 2027 and walk through enrollment.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
When is Medicare Open Enrollment for 2027?
What happens if my Medicare Advantage plan is leaving Arizona in 2027?
How much will I pay out of pocket for Part D drugs in Arizona in 2027?
Has the 2027 Part B premium been announced?
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
- Medicare.gov Medigap policy search
Figures cited in this article
- CMS — Medicare Advantage Landscape Source Files (2026 and 2027): statewide and county plan counts, non-renewing plans, new plans and changing plans for Arizona.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 out-of-pocket cap, maximum deductible and base beneficiary premium.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the Medigap insurer count listed for an Arizona ZIP code and the Medigap enrollment framework.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment Period dates and the Special Enrollment Period for a plan that is not renewing.
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.