Medicare Part D

Arizona Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers, Down From 10

PHOENIX — Arizonans shopping for stand-alone Medicare prescription drug coverage for 2027 will choose from 9 Part D plans offered by 5 insurers across the state, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. That is one fewer plan than the 10 that were offered in 2026, while the number of insurers in the market holds at 5. Annual Enrollment for 2027 runs October 15 through December 7, 2026, and the choices made in that window take effect January 1, 2027.

How many stand-alone Part D plans are offered in Arizona for 2027?

Arizona has 9 stand-alone Medicare Part D prescription drug plans available statewide for 2027, from 5 insurers. In 2026 the state had 10 plans from 5 insurers, so the plan count is down by one while the insurer count is unchanged.

Stand-alone Part D plans in Arizona are offered through the CMS Part D region named "Arizona," which means each of the 9 plans is available to eligible Medicare beneficiaries anywhere in the state. Drug coverage that is bundled inside a Medicare Advantage plan is a separate product and is not included in this count.

Which insurers offer stand-alone Part D plans in Arizona for 2027?

Five insurers are offering stand-alone Part D plans in Arizona in 2027. Listed alphabetically, with their 2027 plan counts, they are:

• Aetna Medicare — 1 plan
• Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan
• Humana — 3 plans
• UnitedHealthcare — 2 plans
• Wellcare — 2 plans

Blue Cross and Blue Shield of IL, NM, OK, TX is new to the Arizona stand-alone market for 2027. HealthSpring offered stand-alone plans in Arizona in 2026 but is not offering them for 2027; current HealthSpring members in the state should look for a plan non-renewal notice from the insurer and compare other options during Annual Enrollment 2027.

What do the 2027 Part D out-of-pocket cap and deductible limit mean for Arizona enrollees?

For 2027, the Part D out-of-pocket cap is $2,400, up from $2,100 in 2026, and the most any Part D plan may charge as a deductible is $700. Once an enrollee's out-of-pocket spending on covered Part D drugs reaches $2,400 during the plan year, the plan pays the full cost of covered drugs for the rest of the year.

The $700 figure is a ceiling, not a set amount — individual Arizona plans may use a lower deductible or none at all, and each plan sets its own cost sharing above the deductible. Enrollees who want to spread out-of-pocket drug costs across the year can also use the Medicare Prescription Payment Plan, a federal program described at Medicare.gov.

For reference, CMS has set the 2027 Part D base beneficiary premium at $41.33. That is a national figure used mainly to calculate the Part D late-enrollment penalty; the actual monthly premium on any specific Arizona plan is set plan by plan and listed in the Medicare Plan Finder.

Which Part D plans in Arizona can someone with full Extra Help join with no premium in 2027?

Three stand-alone Part D plans in Arizona qualify as benchmark plans in 2027, meaning a person who receives the full Extra Help (Low-Income Subsidy) can enroll with no monthly premium. That is the same number of benchmark plans the state had in 2026.

Extra Help also reduces or eliminates the Part D deductible and lowers copays for covered drugs. People can apply for Extra Help at any time through the Social Security Administration or Medicare.gov, and those who already have full Medicaid, Supplemental Security Income, or a Medicare Savings Program are generally enrolled automatically.

How does stand-alone Part D in Arizona compare with the drug coverage built into Medicare Advantage?

A stand-alone Part D plan in Arizona covers prescription drugs only and is designed to be paired with Original Medicare, often alongside a Medigap policy. The 9 plans counted in this article are all stand-alone Part D plans.

Most Medicare Advantage plans sold in Arizona include prescription drug coverage inside the plan (often called MA-PD), so a separate Part D plan is not needed — and in most cases not allowed — with that type of coverage. Which path fits best depends on an individual's doctors, pharmacies, medications and budget. The Medicare Plan Finder at Medicare.gov lets Arizonans compare stand-alone Part D plans and Medicare Advantage plans side by side.

How can Arizonans check a plan's drug list and pharmacies before December 7, 2026?

The most reliable way to check an Arizona Part D plan's formulary (drug list), pharmacy network and mail-order options is the Medicare Plan Finder at Medicare.gov, which uses current CMS data and lets a person enter their prescriptions and preferred pharmacies. Plan documents from the insurer — the Summary of Benefits, Evidence of Coverage and formulary — give the same details in writing.

Annual Enrollment for 2027 runs October 15 through December 7, 2026, and any plan change made during that window takes effect January 1, 2027. It is worth confirming three things each year: that each prescription is on the plan's 2027 formulary, that the usual pharmacy is still in network, and that any prior-authorization or step-therapy rules on key drugs are workable.

Where can Arizonans get free help choosing a Part D plan for 2027?

Free, unbiased help is available by phone at 1-800-MEDICARE (1-800-633-4227), which operates 24 hours a day, seven days a week, and online at Medicare.gov. Both are run by the federal Medicare program.

For context on timing beyond Part D: the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced by CMS as of this writing; those figures are typically released in the fall.