Medicare 2026
Medicare in Rhode Island for 2027: 1 Advantage Plans Leaving, and What Else Changes
PROVIDENCE — Rhode Islanders on Medicare will see a modestly reshaped menu of choices for 2027. The state's Medicare Advantage lineup slips from 23 plans in 2026 to 22 in 2027, one plan is not returning anywhere in Rhode Island, no new plans are entering, and eight existing plans are changing something a member would notice on paper — a premium, a drug deductible, a plan type or a plan name. Annual Enrollment for 2027 runs October 15 through December 7, 2026, and any choice made in that window takes effect January 1, 2027.
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Key takeaways
- Rhode Island goes from 23 Medicare Advantage plans in 2026 to 22 in 2027, with 1 plan leaving the state, 0 new plans, and 8 plans changing in some way.
- If a current plan is not returning in 2027, the member has a Special Enrollment Period that runs through February 2027 to choose a different plan.
- Stand-alone Part D plans in Rhode Island drop from 11 in 2026 to 10 in 2027, offered by 5 insurers.
- The Part D out-of-pocket cap rises to $2,400 in 2027, and the Social Security cost-of-living adjustment for January 2027 is 3.6 percent.
| 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 plans in Rhode Island for 2027?
Rhode Island will have 22 Medicare Advantage plans in 2027, down from 23 in 2026. One plan is not returning anywhere in the state, no new plans are joining, and 8 plans are changing a premium, a drug deductible, a plan type or a plan name. Those counts come from the CMS Landscape Source File for the plan year and are statewide; because Medicare Advantage is sold county by county, the plans actually available to any one Rhode Islander depend on where they live.
Two pieces of mail do most of the explaining. The first is the Annual Notice of Change (ANOC), which every Medicare Advantage and Part D member should receive by late September 2026. It spells out exactly what is different about the plan for 2027. The second, sent only if a plan is leaving, is a non-renewal letter. If a plan is not returning in 2027, the member qualifies for a Special Enrollment Period that extends through the end of February 2027 to pick a new Medicare Advantage plan or move to Original Medicare with a stand-alone Part D plan.
Which Rhode Island counties see the most Medicare Advantage change for 2027?
The change is spread evenly across all five Rhode Island counties. Bristol, Kent, Newport, Providence and Washington counties each show 1 plan leaving and 8 plans changing for 2027. In practical terms, no corner of the state is untouched, and every reader should check whether their specific plan is one of the eight marked as changing or the one marked as leaving. The Medicare Plan Finder at medicare.gov lets a member type in a ZIP code and see the exact 2027 plans available in that county.
How many stand-alone Part D drug plans will Rhode Island have in 2027?
Rhode Island will have 10 stand-alone Medicare Part D prescription drug plans in 2027, offered by 5 insurers, compared with 11 plans in 2026. Stand-alone Part D is the drug coverage people pair with Original Medicare (or with a Medicare Advantage plan that doesn't include drug coverage). Even if a member keeps the same plan, the formulary, pharmacy network and cost-sharing can shift year to year, which is why reading the Annual Notice of Change still matters. Specific plan details should be confirmed on medicare.gov or in the plan's own documents.
What are Medigap options in Rhode Island for 2027?
Medicare.gov currently lists 12 Medigap (Medicare Supplement) insurers for a Rhode Island ZIP code. Medigap works alongside Original Medicare and is standardized by letter (Plan G, Plan N and so on), so the same lettered plan covers the same gaps regardless of which insurer sells it. Rules on when a person can switch Medigap plans without medical underwriting vary and are explained on medicare.gov. Rhode Island residents comparing Medigap should pull a quote through the Medicare.gov tool or call the insurer directly.
What are the national Medicare numbers for 2027?
Two Part D figures are locked in for 2027. The out-of-pocket cap — the most any Medicare Part D member will pay for covered drugs in a calendar year — rises to $2,400 in 2027, up from $2,100 in 2026. The maximum a Part D plan may charge as a deductible in 2027 is $700. The Part D base beneficiary premium, used to calculate the late-enrollment penalty, is $41.33 for 2027; actual plan premiums are set plan by plan.
On the Social Security side, 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 brackets, have not been announced yet; CMS typically publishes them in the fall. Those figures should be read directly from CMS when released, not estimated.
What should Rhode Islanders on Medicare do before December 7, 2026?
A short checklist for Annual Enrollment 2027:
- Open the Annual Notice of Change when it arrives and look for anything flagged under premium, drug deductible, plan type or plan name.
- If a non-renewal letter arrives, note the Special Enrollment Period that runs through February 2027.
- Make a current list of prescriptions, preferred pharmacies and doctors.
- Run those details through the Medicare Plan Finder at medicare.gov to compare 2027 Medicare Advantage and Part D plans for the specific county.
- For Medigap, request quotes from the insurers listed on medicare.gov for the ZIP code.
- Make any change by December 7, 2026 for a January 1, 2027 effective date.
Where can Rhode Islanders get free Medicare help for 2027?
Two no-cost, non-sales options are available year-round. Medicare.gov hosts the Plan Finder, the official plan documents and the rulebook on enrollment periods, Part D and Medigap. 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, seven days a week, and representatives can walk through plan comparisons and enrollment steps for any Rhode Island ZIP code.
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
How many Medicare Advantage plans will Rhode Island have in 2027?
What happens if my Rhode Island Medicare Advantage plan is leaving for 2027?
What is the Part D out-of-pocket cap for 2027?
When is Medicare Open Enrollment for 2027?
- 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): the Rhode Island statewide and county plan counts for leaving, new and changing plans.
- CMS Part D program rules on medicare.gov: the 2027 out-of-pocket cap, maximum plan deductible and base beneficiary premium.
- CMS Medicare Supplement (Medigap) rules on medicare.gov: how standardized Medigap plans and insurer listings work.
- CMS enrollment-period rules on medicare.gov: Annual Enrollment dates and the Special Enrollment Period for non-renewed plans.
- Social Security Administration: the 3.6 percent COLA announcement 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.