Medicare Part D
Ohio Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers, Down From 10
COLUMBUS — Ohioans with Original Medicare who buy a stand-alone Medicare Part D drug plan will choose from 9 plans offered by 5 insurers for 2027, according to the Centers for Medicare & Medicaid Services (CMS) Landscape file. That is down from 10 plans offered by 5 insurers in 2026. Annual Enrollment for 2027 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
- Ohio has 9 stand-alone Part D plans from 5 insurers for 2027, one fewer plan than in 2026.
- Blue Cross and Blue Shield of IL, NM, OK, TX is new to Ohio's stand-alone Part D market for 2027; HealthSpring offered stand-alone plans in 2026 but not in 2027.
- The Part D out-of-pocket cap moves to $2,400 in 2027 (up from $2,100 in 2026), and no Part D plan may charge a deductible higher than $700.
- Three stand-alone plans are available to Ohioans with full Extra Help at no monthly premium in 2027, compared with two 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 Ohio for 2027?
Ohio has 9 stand-alone Medicare Part D prescription drug plans from 5 insurers for 2027, down from 10 plans and the same 5 insurers in 2026. Ohio sits in a single CMS Part D region, and stand-alone plans are offered region-wide, so every plan counted here is available to Medicare beneficiaries anywhere in the state. The net change is one fewer plan on the shelf, with one insurer entering the Ohio market and one leaving it.
Which insurers offer stand-alone Part D plans in Ohio for 2027?
Five insurers offer stand-alone Part D plans in Ohio for 2027. Listed alphabetically, they are:
- 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
Blue Cross and Blue Shield of IL, NM, OK, TX is new to Ohio's stand-alone Part D market for 2027. HealthSpring offered stand-alone plans in Ohio in 2026 but does not for 2027. Beneficiaries affected by a plan exit have specific rights and timelines explained at Medicare.gov.
What do the 2027 Part D out-of-pocket cap and deductible limit mean for Ohioans?
For 2027, the annual out-of-pocket cap on covered Part D drugs is $2,400, up from $2,100 in 2026, and no Part D plan may set a deductible higher than $700. The cap means that once an enrollee's out-of-pocket spending on covered prescriptions reaches $2,400 during the calendar year, they pay $0 for the rest of that year's covered Part D drugs. The $700 figure is a ceiling, not a required amount — individual plans may use a lower deductible or none at all. Specific plan deductibles and cost-sharing are listed on the Medicare Plan Finder at medicare.gov.
For reference, the national Part D base beneficiary premium for 2027 is $41.33. That figure is used in the formula for the Part D late-enrollment penalty; actual plan premiums are set plan by plan.
Which Ohio Part D plans can someone with full Extra Help join at no monthly premium in 2027?
Three stand-alone Part D plans in Ohio qualify as benchmark plans that a person with full Extra Help (the federal Low Income Subsidy) can join with no monthly premium in 2027, compared with two in 2026. Extra Help lowers Part D premiums and drug costs for people with limited income and resources. Eligibility and applications are handled through the Social Security Administration and Medicare.gov; the list of qualifying benchmark plans in Ohio is published in the Medicare Plan Finder.
How does stand-alone Part D in Ohio compare with the drug coverage built into Medicare Advantage?
Stand-alone Part D plans are separate drug-only policies that work alongside Original Medicare, while most Medicare Advantage plans bundle drug coverage into a single medical-plus-drug plan. The 9 plans and 5 insurers counted in this article are the stand-alone drug plans available to Ohioans for 2027. Drug coverage inside Medicare Advantage plans is a different product and is not included in this count. A person generally cannot be enrolled in both a stand-alone Part D plan and a Medicare Advantage plan that includes drug coverage; details and exceptions are explained at medicare.gov.
How can Ohio beneficiaries check a plan's drug list and pharmacies before December 7, 2026?
Ohio beneficiaries can compare each 2027 stand-alone Part D plan's formulary (drug list), preferred pharmacies and cost-sharing using the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. Before December 7, 2026, it helps to have a current medication list — including dosages — and the names of preferred pharmacies on hand. Each plan's Evidence of Coverage and formulary from the plan or insurer are the authoritative sources for coverage rules such as prior authorization, step therapy and quantity limits.
A few other dates to keep in mind: 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, had not been announced by CMS at the time of writing; those figures are typically published in the fall.
Where can Ohioans get free help choosing a 2027 Part D plan?
Free, personalized help is available from Medicare directly. The Medicare Plan Finder at medicare.gov lets Ohioans enter their ZIP code and medications to see every stand-alone Part D plan available to them for 2027. 1-800-MEDICARE (TTY 1-877-486-2048) offers assistance around the clock, including walking through enrollment during the October 15 – December 7, 2026 window.
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 Ohio have in 2027?
Which insurer is new to Ohio's stand-alone Part D market for 2027, and which one left?
What is the Part D out-of-pocket cap in 2027?
When can I enroll in a 2027 Part D plan in Ohio?
- 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): Ohio stand-alone Part D plan and insurer counts, the new entrant and exiting insurer, and the number of benchmark plans available at no premium with full Extra Help.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 Part D out-of-pocket cap of $2,400, the $700 maximum plan deductible, and the $41.33 national base beneficiary premium.
- CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates of October 15 – December 7, 2026 with coverage effective January 1, 2027.
- 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.