Medicare Part D
Bridgeport, CT: 2027 Part D out-of-pocket cap
BRIDGEPORT, Conn. — If you take prescription drugs and have Medicare, 2027 brings another round of changes to Part D. The hard ceiling on what you pay out of pocket at the pharmacy goes up, the deductible limit edges higher, and there are still just three coverage phases to track instead of four.
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Click to call 855-729-3240Key takeaways
- In 2027, Part D out-of-pocket spending on covered drugs is capped at $2,400 a year, after which you pay nothing for covered prescriptions for the rest of the year, and this cap resets every January 1.
- Part D plans can charge a deductible of up to $700 in 2027 before coverage starts, though some plans set it lower.
- The old "donut hole" coverage gap is gone, leaving just three phases: deductible, initial coverage, and catastrophic.
- Medicare's optional Prescription Payment Plan lets any Part D enrollee spread out-of-pocket drug costs into monthly installments instead of paying it all at the pharmacy, though it doesn't lower the total amount owed.
Here's a plain-English look at how Part D works in 2027, and what Bridgeport residents should know before the Annual Enrollment Period closes on December 7.
The $2,400 out-of-pocket cap
The headline change for 2027 is this: your out-of-pocket spending on covered Part D drugs is capped at $2,400 for the year. Once you hit that number, you pay nothing for the rest of your covered prescriptions through the end of the calendar year.
This cap applies to every Part D plan — whether your drug coverage comes through a stand-alone Part D plan or is built into a Medicare Advantage plan. It resets January 1 each year.
The deductible: up to $700
Part D plans can charge a deductible before coverage kicks in. In 2027, the maximum allowed deductible is $700. Plans can choose to set theirs lower, including at zero — but no plan can charge more than $700.
If your plan has a deductible, you'll pay the full negotiated price of your drugs (up to that amount) before the plan starts sharing costs with you.
The three phases, explained
The old "donut hole" coverage gap was eliminated in 2025. In 2027, Part D has just three phases:
1. Deductible phase. You pay the full cost of your drugs until you meet the plan's deductible (up to $700). 2. Initial coverage phase. You pay a copay or coinsurance for each prescription. Your plan pays the rest. This continues until your out-of-pocket spending reaches $2,400. 3. Catastrophic phase. Once you hit the $2,400 cap, you pay nothing for covered drugs for the remainder of the year.
That's it. No more confusing gap in the middle.
The Medicare Prescription Payment Plan
Even with the cap, hitting $2,400 in a single month — say, at the start of the year — can strain a fixed budget. That's why Medicare offers the Medicare Prescription Payment Plan, an optional program that lets you spread your out-of-pocket drug costs across the calendar year in monthly installments instead of paying the full amount at the pharmacy counter.
It doesn't lower what you owe. It just smooths the timing. You can opt in through your Part D plan, and any Part D enrollee can choose to participate.
A note on higher incomes (IRMAA)
Most people pay only their plan's Part D premium. But if your income is higher, you may owe an extra amount called the Income-Related Monthly Adjustment Amount (IRMAA). For 2026, IRMAA surcharges on Part D kick in for single filers with income above $109,000 (and higher thresholds for joint filers). Social Security notifies you if it applies, based on your tax return from two years ago.
What Bridgeport residents should know about availability
Bridgeport is in Fairfield County, where Medicare Part D and Medicare Advantage plan availability is determined at the county level by the Centers for Medicare & Medicaid Services (CMS). That means the specific plans offered to Bridgeport residents are the same as those offered elsewhere in Fairfield County.
To see the plans available in your ZIP code, use the official Plan Finder at medicare.gov/plan-compare. It's the only tool that shows real-time, personalized results based on the drugs you actually take.
Key deadlines
- Annual Enrollment Period: October 15 – December 7, 2026 (choose or change Part D and Medicare Advantage plans for 2027).
- Medicare Advantage Open Enrollment: January 1 – March 31 (if you're already in a Medicare Advantage plan, you can make one change).
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.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the new $2,100 out-of-pocket cap protects you. This illustrates the standard Part D benefit; your plan may structure costs differently.
Once your out-of-pocket spending on covered drugs reaches $2,100, you pay nothing more for the rest of 2026. Confirm details at Medicare.gov.
Explore
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.
Good to know
Frequently asked questions
Q: Does the $2,100 cap include my monthly plan premium?
Q: What if my drug isn't on my plan's formulary?
Q: Do I have to sign up for the Medicare Prescription Payment Plan?
- CMS — Medicare Part D program rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.