Medicare Part D
Nevada Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers, Down From 10
CARSON CITY, Nev. — Nevadans with Original Medicare who want prescription drug coverage will choose from 9 stand-alone Medicare Part D plans for 2027, offered by 5 insurers across the state. That is one plan fewer than the 10 plans available in 2026, though the number of insurers participating in the market stays at five after one carrier departs and another arrives. The plans are available region-wide in the CMS "Nevada" Part D region, meaning the same lineup is on the shelf whether a reader lives in Las Vegas, Reno, Elko or a small town in between.
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Click to call 855-729-3240Key takeaways
- Nevada has 9 stand-alone Part D drug plans from 5 insurers for 2027, down from 10 plans in 2026.
- Annual Enrollment for 2027 runs October 15 through December 7, 2026, and a choice made in that window takes effect January 1, 2027.
- In 2027, Part D out-of-pocket costs for covered drugs are capped at $2,400, and no Part D plan may charge a deductible higher than $700.
- One stand-alone plan in Nevada can be joined with no monthly premium by someone who qualifies for full Extra Help in 2027, compared with two such plans in 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 Nevada for 2027?
Nevada has 9 stand-alone Medicare Part D plans for 2027, offered by 5 insurers, down from 10 plans in 2026. The number of participating insurers is unchanged at five, but the mix has shifted: Blue Cross and Blue Shield of IL, NM, OK, TX is new to Nevada's stand-alone market for 2027, and HealthSpring, which offered a stand-alone plan in Nevada in 2026, is not returning for 2027.
Because Part D plans are sold by CMS region rather than by county, every one of the 9 plans is available to any Medicare-eligible Nevadan who chooses to enroll in a stand-alone drug plan.
Which insurers offer stand-alone Part D plans in Nevada for 2027?
Five insurers offer stand-alone Part D plans in Nevada 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 (new to Nevada for 2027)
- Humana — 3 plans
- UnitedHealthcare — 2 plans
- Wellcare — 2 plans
This list is organized alphabetically and is not a ranking. Plan details, including premiums, deductibles, pharmacy networks and covered drugs, vary by plan and should be checked on the Medicare Plan Finder at Medicare.gov or in each plan's own documents.
What do the 2027 Part D out-of-pocket cap and deductible limit mean for Nevadans?
In 2027, a Nevadan's out-of-pocket spending on covered prescription drugs under any Medicare Part D plan is capped at $2,400, up from the $2,100 cap in 2026. Once a member's true out-of-pocket costs for covered drugs reach that amount in the calendar year, they pay $0 for covered drugs for the rest of the year.
The most a Part D plan may charge as an annual deductible in 2027 is $700. Individual plans may set a lower deductible or no deductible at all, but none may charge more than that. For reference, the Part D base beneficiary premium that CMS uses to calculate the late-enrollment penalty is $41.33 in 2027; actual plan premiums are set plan by plan.
Which Nevada Part D plans can someone with full Extra Help join with no premium in 2027?
In 2027, there is 1 stand-alone Part D plan in Nevada that a person receiving full Extra Help can join with no monthly premium, compared with 2 such benchmark plans in 2026. These are what CMS calls low-income benchmark plans.
Extra Help is the federal program that lowers Part D premiums, deductibles and copays for people with limited income and resources. Nevadans can apply for Extra Help any time through the Social Security Administration, and Medicare.gov explains how the program interacts with plan choice.
How does stand-alone Part D in Nevada compare with the drug coverage built into Medicare Advantage?
Stand-alone Part D plans are the drug-only plans counted in this article — 9 plans from 5 insurers in Nevada for 2027. They are designed to pair with Original Medicare (Parts A and B) and, in some cases, with a Medicare Supplement policy.
Most Medicare Advantage plans in Nevada include prescription drug coverage directly in the plan, so a Medicare Advantage member generally does not also enroll in a stand-alone Part D plan. Those bundled Medicare Advantage drug benefits are a separate lineup and are not included in the 9-plan count above. Nevadans comparing options can see both types side by side on the Medicare Plan Finder.
How can Nevadans check a plan's drug list and pharmacies before December 7?
Nevadans should check each plan's drug list (formulary) and pharmacy network before the Annual Enrollment 2027 deadline of December 7, 2026. The Medicare Plan Finder at Medicare.gov lets a user enter their prescriptions and preferred pharmacies, then shows how each available plan would handle them.
A few practical steps:
- Make a current list of prescriptions, doses and the pharmacies used.
- Enter them into the Plan Finder to see how each 2027 plan covers them.
- Confirm the pharmacy is in the plan's network for 2027, since networks can change year to year.
- Read the plan's "Evidence of Coverage" or Summary of Benefits for 2027 before enrolling.
A choice submitted during Annual Enrollment, which runs October 15 through December 7, 2026, takes effect January 1, 2027.
Where can Nevadans get free help comparing Part D plans for 2027?
Free, unbiased help is available directly from Medicare. Nevadans can compare every 2027 stand-alone Part D plan on the Medicare Plan Finder at Medicare.gov, and they can call 1-800-MEDICARE (1-800-633-4227), which is open 24 hours a day, seven days a week, including holidays. TTY users can call 1-877-486-2048.
For questions about Social Security benefits — including the 3.6 percent cost-of-living adjustment that the Social Security Administration announced on October 14, 2026, for benefits payable beginning January 2027 — readers can contact the Social Security Administration.
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 are offered in Nevada for 2027?
When is Medicare Open Enrollment 2027, and when does my choice take effect?
What is the 2027 Part D out-of-pocket cap?
How many Nevada Part D plans can someone with full Extra Help join at no premium in 2027?
- 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 Nevada stand-alone Part D plan counts, insurer counts, insurer names, the entry of Blue Cross and Blue Shield of IL, NM, OK, TX, the departure of HealthSpring and the number of $0-premium benchmark plans for people with full Extra Help.
- CMS — Medicare Part D program rules (Medicare.gov): the 2027 out-of-pocket cap of $2,400, the 2027 maximum deductible of $700 and the $41.33 base beneficiary premium.
- CMS — Medicare enrollment periods (Medicare.gov): the Annual Enrollment dates of October 15 – December 7, 2026, and the January 1, 2027 effective date.
- Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment 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.