Medicare Part D
Mississippi Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers, Down From 10
JACKSON, Miss. — Mississippi residents who use a stand-alone Medicare Part D prescription drug plan will see nine such plans offered statewide for 2027, down from ten in 2026, according to the federal Centers for Medicare & Medicaid Services (CMS) Landscape files. Five insurers will offer those plans across the state's single Part D region. The plans Mississippians pick during Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026, will take effect January 1, 2027.
Compare Medicare Part D options near you
Answer 3 quick questions to see Medicare Part D listings from licensed insurance partners.
What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare Part D options you can choose.
These listings are provided by licensed insurance partners.
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
Available now — current wait: 0 min
A real person answers. No phone menu, ever.
Will your prescriptions still be covered in 2027?
Drug lists change every year. One call checks your exact medications against the 2027 plans in your area.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Want to see more plan options?
Answer a few more questions to continue to additional options from licensed partners.
Continue →Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Key takeaways
- Mississippi has 9 stand-alone Part D plans from 5 insurers for 2027, compared with 10 plans from 5 insurers in 2026.
- The 2027 Part D out-of-pocket cap is $2,400, and no Part D plan may charge a deductible higher than $700.
- One stand-alone plan in Mississippi qualifies as a $0-premium benchmark plan for people with full Extra Help in 2027, down from two in 2026.
- To compare drug lists, pharmacies and costs for any specific plan, use the Medicare Plan Finder at Medicare.gov or call 1-800-MEDICARE before December 7, 2026.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Part D maximum deductible (2026) | $615 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many stand-alone Part D plans are offered in Mississippi for 2027?
Mississippi has 9 stand-alone Medicare Part D prescription drug plans available statewide for 2027, offered by 5 insurers. That is one fewer plan than the 10 offered in 2026, when the same number of insurers — 5 — participated.
The lineup changed in two ways. Blue Cross and Blue Shield of IL, NM, OK, TX is new to the Mississippi stand-alone market for 2027. HealthSpring, which offered a stand-alone plan in Mississippi in 2026, is not offering one in 2027. CMS treats Mississippi as a single Part D region, so each of the nine plans is available to any eligible resident of the state, regardless of county.
Which insurers offer stand-alone Part D plans in Mississippi for 2027?
Five insurers are offering stand-alone Part D plans in Mississippi for 2027. Listed alphabetically, with their 2027 plan counts:
- 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
This list reflects stand-alone Part D plans only. Drug coverage built into a Medicare Advantage plan is a separate product and is not included in these counts.
What do the 2027 Part D out-of-pocket cap and deductible limit mean for Mississippi enrollees?
For 2027, the annual out-of-pocket maximum on covered Part D prescriptions is $2,400, up from $2,100 in 2026. Once an enrollee's covered drug spending reaches that cap, they pay $0 for the rest of the plan year on covered Part D drugs.
The most any Part D plan in Mississippi may charge as an annual deductible in 2027 is $700. Individual plans may charge less, charge nothing, or apply the deductible only to certain drug tiers — those details vary plan by plan and appear in each plan's official documents and on the Medicare Plan Finder. The Part D base beneficiary premium for 2027, used by CMS to calculate the late-enrollment penalty, is $41.33; actual monthly premiums are set by each plan.
Which Mississippi Part D plans can someone with full Extra Help join for a $0 premium in 2027?
In Mississippi, 1 stand-alone Part D plan qualifies as a low-income benchmark plan for 2027, meaning a person who receives the full federal Extra Help (Low-Income Subsidy) can enroll in it with no monthly premium. In 2026, 2 plans met that benchmark.
Extra Help is a federal program that lowers Part D premiums, deductibles and copays for people with limited income and resources. Eligibility and the current list of benchmark plans in Mississippi can be confirmed on Medicare.gov, through the Social Security Administration, or by calling 1-800-MEDICARE. People already enrolled in Extra Help should check each fall whether their current plan remains a benchmark plan for the coming year.
How does a stand-alone Part D plan in Mississippi compare with the drug coverage inside a Medicare Advantage plan?
A stand-alone Part D plan covers only prescription drugs and is designed to pair with Original Medicare (Part A and Part B). Mississippi has 9 of these stand-alone plans for 2027. Most Medicare Advantage plans, by contrast, bundle medical and drug coverage into a single plan (often called an MA-PD).
The nine stand-alone plans counted here do not include any drug coverage built into Medicare Advantage. A Mississippian comparing options during Medicare Open Enrollment 2027 can look at stand-alone Part D plans alongside Medicare Advantage plans on the Medicare Plan Finder, but the two are separate products with separate rules.
How can Mississippi residents check a plan's drug list and pharmacies before December 7, 2026?
The Medicare Plan Finder at Medicare.gov lets a Mississippi resident enter their ZIP code and current prescriptions, then see which stand-alone Part D plans cover those drugs, at which pharmacies, and at what cost. It is the authoritative tool for plan-specific details.
Steps that generally help before the December 7, 2026 deadline:
- Make a current list of prescriptions, doses and preferred pharmacies.
- Enter the list into the Plan Finder at Medicare.gov to see each plan's formulary and pharmacy network.
- Read the Annual Notice of Change that the current plan mailed in the fall for any 2027 changes.
- Confirm specifics by calling the plan directly or 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week.
A choice made during Annual Enrollment 2027 takes effect January 1, 2027.
Where can Mississippians get free Medicare help?
Free, unbiased help is available directly from Medicare. The Medicare Plan Finder at Medicare.gov allows side-by-side comparisons of every stand-alone Part D plan offered in Mississippi for 2027. 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock and can answer questions about enrollment, Extra Help and plan details.
The Social Security Administration announced a 3.6 percent cost-of-living adjustment on October 14, 2026 for benefits payable beginning January 2027; Social Security also handles Extra Help applications.
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.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Try it
How the 2026 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the $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
How many stand-alone Medicare Part D plans will Mississippi have in 2027?
When is Medicare Open Enrollment for 2027 coverage?
What is the Part D out-of-pocket maximum in 2027?
Where can I compare specific Mississippi Part D plans?
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS Landscape Source Files (2027 and 2026): the Mississippi stand-alone Part D plan counts, insurer counts, insurer names, the new-entrant and exiting-insurer notes, and the benchmark-plan counts.
- CMS — Medicare Part D program rules (Medicare.gov): the 2027 out-of-pocket cap ($2,400), the 2027 maximum deductible ($700) and the 2027 base beneficiary premium ($41.33).
- CMS — Medicare enrollment periods (Medicare.gov): the Annual Enrollment Period dates of October 15 – December 7, 2026 and the January 1, 2027 effective date.
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Content Integrity Standards
- No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
- No plan recommendations. This is educational content. We don't score or recommend specific plans; any Star Ratings shown are Medicare's own CMS ratings, stated as published.
- AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
- Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
- Correction transparency. We fix errors openly and note when a page was last updated.
- Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.
This page was last updated: October 2026.