Medicare Part D
Missouri Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers, Down From 10
JEFFERSON CITY — Missourians who buy a stand-alone Medicare prescription drug plan will choose from 9 plans offered by 5 insurers for 2027, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. That is one fewer plan than the 10 offered in 2026, with the same number of insurers participating. The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice made during that window takes effect January 1, 2027.
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Click to call 855-729-3240Key takeaways
- Missouri has 9 stand-alone Part D drug plans from 5 insurers for 2027, down from 10 plans in 2026.
- Blue Cross and Blue Shield of IL, NM, OK, TX is new to Missouri's stand-alone drug market for 2027, and HealthSpring is no longer offering a stand-alone plan.
- The Part D out-of-pocket cap moves to $2,400 in 2027, and no Part D plan may charge a deductible higher than $700.
- Compare drug lists and pharmacies on the Medicare Plan Finder at Medicare.gov 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 Missouri for 2027?
Missouri has 9 stand-alone Medicare Part D prescription drug plans from 5 insurers for 2027, down from 10 plans and 5 insurers in 2026. The CMS Part D region is "Missouri," and stand-alone plans in the region are available statewide, so the same 9 plans are offered to Medicare beneficiaries anywhere in the state.
The net change — one fewer plan — reflects two shifts: one insurer entering Missouri's stand-alone market and another leaving. Blue Cross and Blue Shield of IL, NM, OK, TX is new to the state's stand-alone drug market for 2027. HealthSpring offered a stand-alone plan in Missouri in 2026 but is not offering one in 2027. People currently in a plan that is ending should watch for an Annual Notice of Change or a non-renewal letter from their plan explaining options.
Which insurers offer stand-alone Part D plans in Missouri for 2027?
Five insurers offer stand-alone Part D drug plans in Missouri for 2027. Listed alphabetically with their plan counts: Aetna Medicare (1 plan); Blue Cross and Blue Shield of IL, NM, OK, TX (1 plan); Humana (3 plans); UnitedHealthcare (2 plans); and Wellcare (2 plans).
Each insurer sets its own premium, deductible, formulary (drug list), and pharmacy network for each plan. Those specifics are not included here; they live on the Medicare Plan Finder at Medicare.gov and in each plan's own documents.
What do the 2027 Part D out-of-pocket cap and deductible limit mean for Missouri enrollees?
For 2027, the most a Medicare Part D enrollee will pay out of pocket for covered prescription drugs in a calendar year is $2,400, up from $2,100 in 2026. Separately, the most any Part D plan may charge as an annual deductible in 2027 is $700; individual plans may set a lower deductible or none at all.
The $2,400 cap applies across any stand-alone Part D plan in Missouri once a person's covered drug costs reach that amount for the year. CMS also continues the Medicare Prescription Payment Plan, which lets enrollees spread their drug cost-sharing across monthly payments instead of paying it all at the pharmacy counter. Details on how that works are at Medicare.gov.
The Part D base beneficiary premium for 2027 is $41.33. That national figure is used to calculate the late-enrollment penalty for people who go without creditable drug coverage; actual monthly premiums are set plan by plan.
Which Missouri Part D plans can someone with full Extra Help join for no premium in 2027?
In Missouri, 2 stand-alone Part D plans qualify as low-income benchmark plans for 2027, meaning a person who receives full Extra Help (the federal Low Income Subsidy) can enroll with no monthly plan premium. In 2026, 2 Missouri stand-alone plans also qualified as benchmark plans.
Extra Help lowers Part D premiums, deductibles and copays for people with limited income and resources. Eligibility and the current list of benchmark plans in Missouri can be confirmed at Medicare.gov or by calling 1-800-MEDICARE. Applications for Extra Help are handled by the Social Security Administration.
How does stand-alone Part D in Missouri compare with drug coverage inside a Medicare Advantage plan?
Stand-alone Part D plans in Missouri — the 9 counted here — pair with Original Medicare (Part A and Part B). Most Medicare Advantage plans include prescription drug coverage built in, and those plans are not counted in the 9 stand-alone figures above.
In general, a person enrolled in a Medicare Advantage plan that includes drug coverage does not also enroll in a stand-alone Part D plan. People in Original Medicare who want drug coverage typically add a stand-alone Part D plan. The Medicare Plan Finder at Medicare.gov shows both types side by side.
How can I check a Missouri plan's drug list and pharmacies before December 7, 2026?
The Medicare Plan Finder at Medicare.gov is the official tool for checking any Missouri Part D plan's formulary (drug list), preferred and standard pharmacies, and mail-order options. Enter a ZIP code and the medications a person takes, and the tool shows how each available plan covers them.
A few steps that help:
- Have the list of current prescriptions, doses, and preferred pharmacies ready.
- Confirm each drug is on the plan's formulary and check any coverage rules (prior authorization, step therapy, quantity limits).
- Check whether the usual pharmacy is in-network, and whether it is a preferred pharmacy for that plan.
- Read the plan's Summary of Benefits or Evidence of Coverage for the full picture.
Annual Enrollment for 2027 runs October 15 through December 7, 2026. A choice made during that window takes effect January 1, 2027.
Where can Missourians get free help choosing a 2027 Part D plan?
Free, official help with Medicare questions is available at Medicare.gov and by calling 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week. Both can walk through plan comparisons, Extra Help, and enrollment steps for Missouri residents.
Separately, the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment (COLA) for Social Security benefits payable beginning January 2027. The 2027 Part B standard premium and deductible and the 2027 IRMAA income-related surcharges have not yet been announced; CMS typically releases those figures in the fall. Check Medicare.gov for the official numbers once posted.
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 Part D plans are offered in Missouri for 2027?
Which insurers offer stand-alone Part D plans in Missouri for 2027?
What is the Part D out-of-pocket cap in 2027?
When is Annual Enrollment for 2027 Medicare drug coverage?
- 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 File: the 2027 and 2026 Missouri stand-alone Part D plan and insurer counts, the new and exiting insurers, and the number of benchmark plans for people with full Extra Help.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 Part D out-of-pocket cap ($2,400), the 2027 maximum plan deductible ($700), and the 2027 Part D base beneficiary premium ($41.33).
- CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment Period dates (October 15 – December 7, 2026) and January 1, 2027 effective date.
- Social Security Administration: the October 14, 2026 announcement of a 3.6 percent COLA 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.
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This page was last updated: October 2026.