Medicare Part D
$2,100 Part D cap and payment plan for Gulfport residents
By the numbers
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Will your prescriptions still be covered in 2027?
Part D plans rewrite their drug lists every year — tiers move, pharmacies change, drugs drop off. One call checks your exact medications against the 2027 plans in your area.
- Every prescription checked, name by name
- Your pharmacy checked for preferred pricing
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Key takeaways
- The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027, and the maximum deductible is $615 in 2026 and $700 in 2027. The plan year resets every January 1.
- The old "donut hole" coverage gap is gone, so Part D now has just three stages: deductible, initial coverage, and catastrophic, where you pay $0 for covered drugs once you hit the cap.
- Every Part D plan must offer the optional Medicare Prescription Payment Plan, which lets you spread drug costs into level monthly payments instead of lowering what you owe overall.
- If your income is above $109,000 as a single filer (or the joint equivalent) in 2026, you may owe an extra IRMAA charge on top of your premium, based on your tax return from two years earlier.
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 Harrison County
(MA penetration in Harrison 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.
Gulfport, Miss. — What changes for Part D in 2027
If you take prescription drugs and have Medicare, 2026 brings a few numbers worth knowing by heart. The Part D out-of-pocket cap is set at $2,100 in 2026 ($2,400 in 2027), and the maximum yearly deductible a stand-alone drug plan or Medicare Advantage drug plan can charge is $615. The old "donut hole" is gone — Part D now moves through three phases instead of four.
Here in Gulfport, which sits in Harrison County, those rules are the same as anywhere else in the country. Part D is a federal program, so the structure below applies whether you live on Highway 49 or in a small town up in Stone County. Only the plan choices themselves are set at the county level.
The three phases of Part D in 2027
Under the current rules, your drug coverage moves through three stages during the year:
1. Deductible phase. You pay the full negotiated price of your drugs until you meet your plan's deductible. In 2026, no Part D plan can charge a deductible higher than $615. Some plans set it lower, and some drugs may skip the deductible entirely, depending on the plan's design.
2. Initial coverage phase. After the deductible, you pay a copay or a percentage of the drug's cost, and your plan pays the rest. You stay in this phase until your out-of-pocket spending on covered drugs reaches the annual cap.
3. Catastrophic phase. Once your out-of-pocket costs hit the annual cap — $2,100 in 2026 and $2,400 in 2027 — you pay nothing for the rest of the calendar year on covered Part D drugs. This is the hard cap that replaced the donut hole in 2025.
It's a much simpler picture than in years past, when a "coverage gap" sat between the initial and catastrophic phases.
The $2,100 cap, explained plainly
The $2,100 cap is a true ceiling on what you spend out of pocket for covered prescriptions in a plan year. It resets every January 1.
A few things to keep in mind:
- The cap only counts spending on covered Part D drugs. Drugs your plan doesn't cover don't count toward it.
- Premiums do not count toward the $2,100.
- Manufacturer discounts on brand-name drugs still count toward your out-of-pocket total, thanks to how the program is now structured.
For most people who take expensive medications, hitting $2,100 earlier in the year means the rest of the year costs nothing for those drugs.
The Medicare Prescription Payment Plan
New in 2025 and continuing into 2027, every Part D plan must offer the Medicare Prescription Payment Plan. It's optional, and it doesn't lower your drug costs — it spreads them out.
Instead of paying a big amount at the pharmacy counter in, say, February, you can choose to pay your drug costs in level monthly amounts across the rest of the plan year. If a large copay early in the year would strain your budget, this program is worth asking your plan about. You have to opt in; it isn't automatic.
IRMAA: higher-income surcharges
Most people pay only their plan's Part D premium. But if your income is above $109,000 as a single filer (or the equivalent threshold for a joint return) in 2026, you may pay an Income-Related Monthly Adjustment Amount, or IRMAA, on top. Social Security bases IRMAA on your tax return from two years earlier, so 2026 surcharges typically look at 2024 income.
If you've had a major life change — retirement, the loss of a spouse, a divorce — you can ask Social Security to reconsider.
When you can change your Part D coverage
Two windows matter most:
- Annual Enrollment Period: October 15 – December 7. This is when anyone with Medicare can switch Part D plans, join a new one, or move between Original Medicare and Medicare Advantage. 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 pick up a stand-alone Part D plan) during this window.
Harrison County residents have a range of stand-alone Part D plans and Medicare Advantage plans with drug coverage to choose from each year. The Medicare Plan Finder at medicare.gov lets you compare based on the drugs you actually take.
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 of $2,100 in 2026 ($2,400 in 2027) 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.
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
Is the donut hole really gone?
Do I have to pay the full $615 deductible?
What counts toward the $2,100 out-of-pocket cap?
- CMS — Medicare Part D program rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.