Medicare Part D
Springfield Part D checkup: what to compare before Dec. 7, 2026
Springfield, Ohio — Fall 2026 is Part D review season, and this year the math worth checking is the 2027 math. Medicare's Annual Enrollment Period runs from October 15 through December 7, 2026, and any change made in that window takes effect January 1, 2027. If you do nothing, your current drug plan simply renews for next year — with whatever changes are described in the Annual Notice of Change (ANOC) your plan mailed you in September.
Compare Medicare Part D options near you
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This affects which Medicare Part D options you can choose.
These listings are provided by licensed insurance partners.
Will your prescriptions still be covered in 2027?
Part D plans rewrite their drug lists every year — tiers move, pharmacies change, drugs drop off. One call checks your exact medications against the 2027 plans in your area.
- Every prescription checked, name by name
- Your pharmacy checked for preferred pricing
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Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Speak to a Licensed Insurance Agent
Click to call 855-729-3240Key takeaways
- The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026), and the maximum plan deductible rises to $700 in 2027 (up from $615 in 2026).
- Read your plan's ANOC before December 7, 2026, because the drug list (formulary), tiers and pharmacy network can all shift on January 1.
- Springfield is in Clark County, where CMS lists 99 Medicare Advantage plans and 0 stand-alone Part D plans for the coming year; 15 carriers offer Medicare Advantage with drug coverage in the area.
- Anyone whose drug costs land unevenly during the year can ask their plan to enroll them in the Medicare Prescription Payment Plan, which spreads out-of-pocket costs across monthly bills.
Here is what Springfield residents can line up side by side while the window is open.
What is actually confirmed for 2027
CMS has published two Part D numbers for 2027 that you can rely on while comparing plans:
- Out-of-pocket cap: $2,400 in 2027 (it is $2,100 in 2026). Once your true out-of-pocket spending on covered drugs hits that cap, you pay $0 for covered drugs the rest of the calendar year.
- Maximum deductible: $700 in 2027 (it is $615 in 2026). This is the ceiling — a plan can set its deductible lower, and different tiers may or may not be subject to it.
CMS also set the 2027 national base beneficiary premium at $41.33. That figure is a formula input Medicare uses; it is not the premium any particular plan charges.
A few numbers are not out yet. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, are typically announced by CMS in November. If you are close to an IRMAA threshold, it is worth waiting for those before making irreversible decisions.
Read the ANOC — the drug list is where surprises hide
By late September, your plan mailed (or posted) an Annual Notice of Change. It is the single most useful document you own right now. Focus on:
- Formulary changes. Plans can add or drop drugs, and they can move a drug to a different tier. A drug that was Tier 2 this year could be Tier 3 next year, which usually means a different cost share.
- Utilization rules. Prior authorization, step therapy and quantity limits can be added to a drug you already take.
- Pharmacy network. "Preferred" pharmacies can change, and mail-order terms can change.
- Deductible and cost-sharing structure. Even if your plan's name stays the same, the cost math inside it may not.
If a drug you take is being dropped or restricted, most plans must provide a transition fill early in the new year while you and your prescriber work out next steps.
Stand-alone Part D vs. drug coverage inside Medicare Advantage
There are two ways to get Part D:
- A stand-alone Part D plan (PDP), paired with Original Medicare (and often a Medigap policy).
- A Medicare Advantage plan that includes drug coverage (MA-PD), which bundles hospital, medical and drug coverage into one plan.
For 2027, Clark County's landscape is unusual: CMS lists 0 stand-alone Part D plans in the area, while 15 carriers offer Medicare Advantage with drug coverage, with 99 Medicare Advantage plans available county-wide. That count includes plans with and without drug coverage; not every MA plan is an MA-PD.
The right structure depends on whether you want the flexibility of Original Medicare plus a separate drug plan, or the all-in-one design of an MA-PD — and on what your doctors and pharmacies accept. Neither is "better"; they are different tools.
The Prescription Payment Plan (drug-cost smoothing)
The Medicare Prescription Payment Plan is a free, optional program that lets you pay your Part D out-of-pocket costs to your plan in monthly installments instead of at the pharmacy counter. You still owe the same total; you just spread it across the calendar year. It can help when a single expensive fill would otherwise land in one month.
You opt in through your Part D or MA-PD plan. If you think it could help in 2027, you can ask your plan about enrolling before the year starts, or any time during the year.
What Springfield residents can do between now and December 7
1. Pull out your ANOC and highlight the drugs you actually take. 2. Use the Plan Finder at medicare.gov to enter your medications and preferred pharmacy; it will show 2027 estimated annual costs across plans available in Clark County. 3. If you are on Original Medicare with a Medigap policy, compare stand-alone drug plan options; if you are on an MA-PD, check whether the drug side of the plan still fits. 4. Call 1-800-MEDICARE (24/7) or Ohio's SHIP program — the Ohio Senior Health Insurance Information Program (OSHIIP) — for free, unbiased one-on-one help. OSHIIP counselors work with Clark County residents every fall.
Note on Star Ratings: CMS publishes plan quality ratings on medicare.gov. For the coming plan year, 0 contracts serving the Clark County area are rated 4 stars or higher. Ratings are one input among many; they do not replace checking whether your drugs are covered and your pharmacy is in network.
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 Clark County
(MA penetration in Clark 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.
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 PeriodAnyone 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 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
What happens if I don't do anything by December 7, 2026?
Do the 2027 Part D cap and deductible apply automatically?
Can I switch from Medicare Advantage back to Original Medicare after January 1?
Is the Prescription Payment Plan worth signing up for if my drug costs are low?
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
Also for Springfield
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This page was last updated: September 2026.