Medicare Part D
New York Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers, Down From 10
NEW YORK — People with Medicare in New York will see nine stand-alone Medicare Part D prescription drug plans for 2027, offered by five insurers across the state. That is one fewer plan than the ten offered in 2026, while the number of insurers stays at five. The lineup takes effect January 1, 2027, after the Annual Enrollment Period that runs October 15 through December 7, 2026.
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Click to call 855-729-3240Key takeaways
- New York has 9 stand-alone Part D plans from 5 insurers for 2027, down from 10 plans and the same 5 insurers in 2026.
- The Part D out-of-pocket cap rises to $2,400 in 2027, and no Part D plan may charge a deductible higher than $700.
- Two 2027 stand-alone plans in New York can be joined with no monthly premium by someone who qualifies for full Extra Help.
- Compare each plan's drug list 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 New York for 2027?
New York has 9 stand-alone Medicare Part D plans from 5 insurers for 2027, compared with 10 plans from 5 insurers in 2026. That is a net decrease of one plan statewide, with the same number of companies participating.
New York sits in the CMS Part D region called "New York," and stand-alone drug plans in this region are offered on a statewide basis. In other words, every one of the nine plans counted here is available to a Medicare beneficiary anywhere in the state, from Buffalo to Montauk. One company, HealthSpring, offered a stand-alone plan in New York in 2026 but is not offering one in 2027. One company, Blue Cross and Blue Shield of IL, NM, OK, TX, is new to New York's stand-alone market for 2027.
Which insurers offer stand-alone Part D plans in New York for 2027?
Five insurers offer stand-alone Part D plans in New York for 2027. Listed alphabetically, they are:
- Aetna Medicare — 1 plan
- Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan (new to New York for 2027)
- Humana — 3 plans
- UnitedHealthcare — 2 plans
- Wellcare — 2 plans
This list reflects stand-alone Part D only. Drug coverage built into a Medicare Advantage plan is a separate product and is not counted among the nine plans above. The order here is alphabetical and is not a ranking.
What do the 2027 Part D out-of-pocket cap and deductible limit mean for New Yorkers?
In 2027, the most a 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. And no Part D plan sold in New York may charge a Part D deductible higher than $700 in 2027.
The $2,400 figure is an annual ceiling that applies across any New York stand-alone Part D plan. Once a member's out-of-pocket spending on covered drugs reaches that amount in 2027, they pay $0 for the rest of the year for covered prescriptions under Part D rules. The $700 figure is a maximum; individual plans may set a lower deductible or none at all. Specific plan dollar amounts are listed on the Medicare Plan Finder at Medicare.gov.
For context on premiums, the Part D base beneficiary premium for 2027 is $41.33. That national figure is used in the late-enrollment penalty calculation; actual plan premiums are set plan by plan.
Which New York Part D plans can someone with full Extra Help join with no premium in 2027?
Two of the nine stand-alone Part D plans in New York for 2027 can be joined with no monthly premium by a person who qualifies for full Extra Help, the same count as in 2026. These are the plans CMS designates as low-income benchmark plans in the New York region.
Extra Help, also called the Low Income Subsidy, lowers Part D premiums, deductibles and drug costs for people who meet income and resource limits. Benchmark status can change each year, so even people already enrolled in a $0-premium plan should confirm their 2027 status during Annual Enrollment. The Social Security Administration takes Extra Help applications, and Medicare.gov lists the benchmark plans by region.
How does stand-alone Part D in New York compare with the drug coverage in Medicare Advantage?
Stand-alone Part D in New York is a separate drug-only policy that pairs with Original Medicare, while most Medicare Advantage plans bundle drug coverage into one plan. The nine plans counted in this article are the stand-alone drug plans only.
If you have Original Medicare and want prescription coverage, a stand-alone Part D plan is the way to add it. If you choose a Medicare Advantage plan that includes drug coverage, you generally cannot also enroll in a stand-alone Part D plan. Medicare Advantage lineups are counted and compared separately on Medicare.gov.
How can New York enrollees check a plan's drug list and pharmacies before December 7, 2026?
The Medicare Plan Finder at Medicare.gov lets any New York resident type in their prescriptions and preferred pharmacy and see how each 2027 Part D plan would cover them. The deadline to make an Annual Enrollment choice for 2027 is December 7, 2026, and the choice takes effect January 1, 2027.
A good checklist before enrolling: list every prescription with dose and frequency; confirm each drug is on the plan's formulary; check whether the plan uses prior authorization, step therapy or quantity limits for any of them; and confirm that a convenient pharmacy is in the plan's network at standard or preferred cost-sharing. You can also call 1-800-MEDICARE, available 24 hours a day, seven days a week, or read the plan's own Evidence of Coverage and formulary documents.
Where can New Yorkers get free help with Part D for 2027?
Free, unbiased help is available directly from Medicare at Medicare.gov and by phone at 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048. These are the official federal sources for Part D plan details, Extra Help information and Annual Enrollment questions.
The Social Security Administration also handles Extra Help applications and announced a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. Part B premium and deductible figures for 2027, and the 2027 IRMAA income brackets, have not yet been announced; CMS typically releases them in the fall.
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 will New York have in 2027?
What is the Part D out-of-pocket cap in New York for 2027?
When is the Annual Enrollment Period for 2027 Part D coverage?
Where can I compare New York Part D plans for 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 New York stand-alone Part D plan and insurer counts, the market entrance of Blue Cross and Blue Shield of IL, NM, OK, TX, the exit of HealthSpring, and the number of low-income benchmark plans.
- CMS — Medicare Part D program rules (Medicare.gov): the 2027 out-of-pocket cap of $2,400, the $700 maximum Part D deductible, and the $41.33 base beneficiary premium.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment dates of October 15 through December 7, 2026, with coverage effective January 1, 2027.
- 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.
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This page was last updated: October 2026.