Medicare Part D
Moscow Medicare Part D in 2027: phases & cap
MOSCOW, Idaho — If you take prescription drugs and you're on Medicare, 2027 brings an updated ceiling on what you'll pay out of pocket for covered drugs in a calendar year: $2,400, up from $2,100 in 2026. That's the headline number, but the full picture involves a deductible, three payment phases, and a payment plan option that can spread your costs across the year.
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Key takeaways
- The Part D out-of-pocket cap for covered drugs is $2,100 in 2026 and $2,400 in 2027.
- Part D now has three payment phases—deductible, initial coverage, and catastrophic—since the old "donut hole" gap was removed starting in 2025.
- No Part D plan can charge a deductible higher than $615 in 2026, and the maximum rises to $700 in 2027. Once you hit the annual out-of-pocket cap, you pay nothing more for covered drugs the rest of the year.
- The Medicare Prescription Payment Plan lets you spread drug costs into monthly installments for free, though it doesn't lower your total cost, and you sign up through your drug plan.
Here's a plain-language walk-through of how Part D coverage works for 2027, so you can plan with confidence.
What Part D Is — And Why 2027 Looks Different
Part D is the part of Medicare that helps pay for prescription drugs. You can get it two ways: as a stand-alone drug plan added to Original Medicare, or built into a Medicare Advantage plan that includes drug coverage.
The big shift started in 2025, when Medicare eliminated the old "donut hole" coverage gap. That change carries into 2027, leaving Part D with just three phases instead of four. On top of that, the annual out-of-pocket cap moves to $2,400 in 2027, up from $2,100 in 2026. Once you hit that cap, you pay nothing more for covered drugs for the rest of the year.
The Three Phases in 2027
Every Part D plan follows the same basic structure set by Medicare, even though plan details vary.
1. Deductible phase. You pay the full negotiated price for your drugs until you meet your plan's deductible. In 2027, no Part D plan can set a deductible higher than $700. Some plans set it lower, and some waive it for certain drug tiers.
2. Initial coverage phase. After you meet the deductible, you and your plan share the cost. You typically pay a copay or coinsurance for each prescription, and the plan picks up the rest. You stay in this phase until your out-of-pocket spending on covered drugs reaches $2,400 in 2027.
3. Catastrophic phase. Once you hit the annual cap ($2,400 in 2027), you pay nothing more for covered Part D drugs for the rest of the calendar year. The counter resets on January 1.
That's it — three phases, one cap.
The Medicare Prescription Payment Plan
New in 2025 and continuing in 2027, the Medicare Prescription Payment Plan lets you spread your out-of-pocket drug costs across the calendar year in monthly installments instead of paying large amounts at the pharmacy counter.
It doesn't lower your total cost. It just smooths it out. If you take an expensive medication early in the year and would otherwise pay a big chunk at once, this option can help you budget. It's free to join, and every Part D plan is required to offer it. You sign up through your drug plan, not through Medicare directly.
A Note on Higher-Income Surcharges
Most people pay only their plan's monthly premium for Part D. If your income is above $109,000 as a single filer (or $218,000 filing jointly), Medicare adds an income-related monthly adjustment amount, known as IRMAA, on top. Social Security uses your tax return from two years ago to figure this out and will notify you if it applies.
Local Availability in Latah County
Moscow is in Latah County, where residents choose from Part D coverage offered either through stand-alone prescription drug plans or through Medicare Advantage plans that include drug coverage. Plan choices, formularies (the list of covered drugs), and pharmacy networks are set at the county level, so two neighbors in Moscow will see the same menu of options — but someone across the state line in Pullman will see a different one.
You can compare what's available in your ZIP code using the Plan Finder at medicare.gov.
When You Can Make Changes
Two windows matter most:
- Annual Enrollment Period: October 15 – December 7. You can join, switch, or drop a Part D or Medicare Advantage plan. Changes take effect January 1.
- Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you can switch to another one or return to Original Medicare (and add a stand-alone Part D plan).
Outside these windows, you generally need a Special Enrollment Period — for example, if you move or lose other coverage.
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.
By the numbers
How people get Medicare in Latah County
(MA penetration in Latah County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Prescription coverage
How Medicare Part D works in 2027
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap on what you pay out of pocket for covered drugs — $2,100 in 2026 and $2,400 in 2027 — and you can spread those costs across the year with the Medicare Prescription Payment Plan.
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
Does the annual out-of-pocket cap include my monthly premium?
What if my drug isn't on my plan's formulary?
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.