Medicare Advantage

Trumbull Medicare 2027: Fairfield County

TRUMBULL, Conn. — If you live in Trumbull and you're sorting through your Medicare choices for 2027, it helps to know what's actually available where you live — and how that compares with the towns and counties around you. Plan availability is set at the county level, not the town level, so the picture on your street is the same picture across all of Fairfield County. But drive an hour in any direction and the numbers can shift.

Medicare plan availability across the Trumbull area for 2027

Here's a plain-language snapshot of what shoppers in the Trumbull area saw last fall, based on the Centers for Medicare & Medicaid Services (CMS) 2026 Medicare Advantage and Part D Landscape data. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder.

Why plan counts are a county-level story

Medicare Advantage and Part D plans are approved to serve specific service areas, and those service areas are drawn on county lines. Trumbull sits inside Fairfield County, so when you use Medicare's Plan Finder and enter a Trumbull ZIP code, the results you see are the plans approved for Fairfield County.

That's why your neighbor two towns over in Bridgeport or Stratford is looking at the same menu you are. And it's why a friend across the state line in Westchester County, N.Y., or up in Litchfield County will see a different set of options entirely.

What Trumbull-area shoppers saw for 2026

For 2026, CMS data shows the following availability in Fairfield County:

• 36 Medicare Advantage plans available to residents.
• 6 carriers offering Medicare Advantage plans that include prescription drug coverage (MA-PD).
• 11 stand-alone Part D drug plans available to Connecticut residents for 2026, sold statewide.
• Under CMS's 2026 Star Ratings, 3 contracts offering Medicare Advantage plans in Fairfield County are rated 4 stars or higher.

A few notes on reading those numbers. The Medicare Advantage total counts each plan option separately, so a single carrier may account for several of the 36. The Part D figure reflects the county's MA-PD-focused landscape; if you have Original Medicare and want stand-alone drug coverage, always confirm your options directly on medicare.gov using your ZIP code. And Star Ratings can change year to year — they're one tool among many, not a scorecard for picking a plan.

How nearby areas compare

Because Medicare draws its lines by county, it's worth remembering that Fairfield County is one slice of a larger metro region. Residents in New Haven County to the east, Litchfield County to the north, or across the state line in New York's Westchester and Putnam counties will each see their own plan menus, their own carrier counts, and their own Star Rating mixes.

If you're helping a parent or sibling shop in another county, don't assume your Trumbull results carry over. Enter their ZIP code separately on Medicare's Plan Finder to see what's actually offered where they live.

What's new for everyone in 2027

Beyond the local counts, there are some program-wide changes worth knowing about — these apply whether you're in Trumbull, Trenton, or Tulsa:

• Part D out-of-pocket cap: Prescription drug spending under Part D is capped at $2,100 for 2026. Once you hit that, you pay $0 for covered Part D drugs the rest of the year.
• Part D deductible: The maximum allowable deductible is $615 in 2026. Plans can charge less.
• No more donut hole: The old coverage gap was eliminated in 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: You can choose to spread your drug costs into predictable monthly payments across the plan year. It doesn't lower your total — it smooths it out.
• IRMAA: Higher-income enrollees pay a surcharge on Part B and Part D premiums. For 2026, the surcharge starts above $109,000 in income for a single filer (based on your 2024 tax return).

Key dates to circle

• Annual Enrollment Period: October 15 – December 7, 2026, for coverage that starts January 1, 2027.
• Medicare Advantage Open Enrollment: January 1 – March 31, 2027, if you're already in a Medicare Advantage plan and want to switch once.