Medicare Part D
Bismarck Medicare 2027: Burleigh County Options
BISMARCK, N.D. — If you're turning 65 soon or already reviewing your Medicare coverage for 2027, here's a useful lay of the land: Bismarck is in Burleigh County, where 20 Medicare Advantage plans were available for 2026, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. The 2027 lineup is detailed in each plan's Annual Notice of Change (ANOC) and on Medicare.gov's Plan Finder.
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Will your prescriptions still be covered in 2027?
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Key takeaways
- Burleigh County (Bismarck) had 20 Medicare Advantage plans available for 2026, according to CMS Landscape files. Check each plan's ANOC and Medicare.gov's Plan Finder for the 2027 lineup.
- Star Ratings are CMS's yearly report card on plan quality, ranging from 1 to 5 stars, but they're just one factor to consider, not a personal recommendation.
- Missing Medicare enrollment deadlines usually means waiting a full year unless you qualify for a Special Enrollment Period, such as moving or losing other coverage.
- You can compare plans yourself using Medicare.gov's Plan Finder with your prescriptions and doctors listed, or get free, unbiased help from North Dakota's SHIC counseling program or 1-800-MEDICARE.
Bismarck Had 20 Medicare Advantage Plans for 2026; Check Plan Finder for 2027
That's a healthy number of options for a community with roughly 18,028 residents age 65 and older. But more choices also means more homework, especially during the fall Annual Enrollment Period.
How the Local Numbers Break Down
A few plain-facts about what's on the shelf in Burleigh County this year:
- 20 Medicare Advantage plans are offered in the county.
- Those plans come from 5 carriers offering Medicare Advantage with prescription drug coverage (MA-PD).
- 0 stand-alone Part D drug plans are listed as available in the county's Landscape file. (If you stay with Original Medicare and want drug coverage, this is worth calling 1-800-MEDICARE about, since stand-alone Part D options are typically sold on a broader regional basis.)
- 0 contracts serving the area currently carry an overall Star Rating of 4 stars or higher.
Star Ratings, by the way, are CMS's yearly report card on plan quality and member experience. They range from 1 to 5 stars. They're one input among many — not a ranking of what will fit any one person best.
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.
By the numbers
How people get Medicare in Burleigh County
(MA penetration in Burleigh 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.
What Actually Changes in 2027
Even if you don't switch plans, the underlying Medicare rules are shifting in ways worth knowing:
- Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket spending on covered prescriptions hits that amount in the year, you pay nothing for covered drugs the rest of the year.
- Part D deductible: up to $615 in 2026 and up to $700 in 2027. That's the maximum a plan can charge before drug coverage kicks in. Some plans set it lower.
- No more "donut hole." The old coverage gap was eliminated starting in 2025. Part D now has three phases instead of four.
- Medicare Prescription Payment Plan. This is an optional program that lets you spread your drug costs across monthly payments instead of paying big amounts at the pharmacy counter. You have to opt in through your plan.
- IRMAA thresholds. Higher-income enrollees pay extra for Part B and Part D. In 2026, the surcharge starts above $109,000 in income for a single filer (higher for joint filers).
Dates to Circle
- Annual Enrollment Period: October 15 – December 7. This is when anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Coverage begins Jan. 1.
- Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan and want to change to a different MA plan or go back to Original Medicare (with or without a Part D plan), this window gives you one more shot.
Missing these dates usually means waiting a full year unless you qualify for a Special Enrollment Period (moving, losing other coverage, and similar life events).
How to Compare Without Getting Overwhelmed
With 20 Medicare Advantage plans in Burleigh County, comparing them line-by-line on paper isn't realistic. A better approach:
1. Make a list of your prescriptions, including doses. 2. List your doctors and preferred clinics in the Bismarck area. 3. Go to Medicare.gov's Plan Finder and enter that information. It will show only plans available in your ZIP code and estimate your yearly drug costs. 4. Call the plan to confirm your specific doctors and pharmacies are in-network before enrolling.
Free, Unbiased Help in North Dakota
You don't have to figure this out alone, and you don't have to talk to a salesperson to get answers.
North Dakota's State Health Insurance Counseling (SHIC) program is the state's SHIP — the federally supported counseling service. Counselors are trained volunteers who don't sell insurance and don't earn commissions. They can sit down with you and walk through your options.
You can also call 1-800-MEDICARE (1-800-633-4227), available 24/7.
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
Q: I keep hearing there are lots of plans in Bismarck. Is 20 a lot?
Q: Why does the data show zero stand-alone Part D plans in the county?
Q: What does it mean that no local contracts are rated 4 stars or higher?
- CMS — Medicare Part D program rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.