Medicare Part D in Upper Arlington, Ohio: What's New for 2027
Prescription coverage is where Medicare changed the most for 2027 — including a $2,400 yearly cap on what you pay out of pocket at the pharmacy. Here's what that means for people in Upper Arlington, Ohio and FranklCounty, explained simply.
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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.
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Will your prescriptions still be covered in 2027?
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In Upper Arlington (Franklin County) for 2027, a Medicare Part D plan's deductible can be no more than $700, and out-of-pocket costs for covered drugs are capped at $2,400 for the year.
In Upper Arlington (Franklin County) for 2026, the maximum Part D deductible is $615 and the out-of-pocket cap on covered drugs is $2,100.
In Upper Arlington (Franklin County), the 2027 Part D base beneficiary premium, the national figure CMS uses to set late-enrollment penalties, is $41.33 a month.
| Fact | Figure | Source |
|---|---|---|
| Part D out-of-pocket cap, 2027 | $2,400 | CMS CY2027 Part D announcement |
| Maximum Part D deductible, 2027 | $700 | CMS CY2027 Part D announcement |
| Part D base beneficiary premium, 2027 | $41.33 a month | CMS CY2027 Part D bid information |
| Part D out-of-pocket cap, 2026 | $2,100 | CMS 2026 Part D figures |
| Maximum Part D deductible, 2026 | $615 | CMS 2026 Part D figures |
| Medicare Advantage plans offered in Upper Arlington (Franklin County), 2027 (an alternative way to get drug coverage) | 79 | CMS MA Landscape Source Files, CY2026 and CY2027 |
| People with Medicare in Franklin County, 2026 | 209,028 | CMS county data and Census ACS (2026) |
| Share in Medicare Advantage in Franklin County, 2026 | 56% | CMS State/County MA Penetration (2026) |
| Income above which IRMAA applies (individual), 2026 | $109,000 | SSA/CMS 2026 IRMAA brackets |
By ZIP code
Medicare plans by ZIP code in Upper Arlington
Upper Arlington covers 1 ZIP code in Franklin County, where 79 Medicare Advantage plans are offered for 2027 (92 for 2026). Medicare plans are offered county by county, so every ZIP code in a county has the same Medicare Advantage lineup. Enter your ZIP code in the plan finder at the top of this page to compare the plans offered there.
| ZIP code | County | Medicare Advantage plans changing or leaving for 2027 |
|---|---|---|
| 43221 | Franklin County | 50 |
Sources: ZIP codes, GeoNames US postal codes (CC BY 4.0), limited to Census ZCTAs; changes, CMS MA Landscape files, CY2026 vs CY2027 comparison, mapped to ZIP codes with the Census ZCTA-to-county file (a ZIP code that crosses a county line is counted with the county holding most of its land). Counts only; no plan is ranked.
Good to know
Medicare Part D questions for Upper Arlington (Franklin County) (2027)
What is the Medicare Part D out-of-pocket cap for 2027 in Upper Arlington (Franklin County)?
What is the maximum Part D deductible for 2027?
What is the Part D base beneficiary premium for 2027?
When can I join or switch a Part D plan for 2027?
What does Medicare cost in Upper Arlington for 2027?
79 Medicare Advantage plans are available for 2027. Because Upper Arlington is served by Franklin County (part of Upper Arlington area), those are the options on the table locally. About 56% of the county's Medicare members are in a Medicare Advantage plan rather than Original Medicare, among the roughly 173,679 residents who are 65 or older.
It surprises people, but Medicare plan availability is drawn up county by county rather than by city or state — which is why a guide like this attributes everything to the surrounding county.
Read on for the organizations offering coverage in the area, a plain-language tour of how Medicare works, 2027 costs, enrollment timing, and free places to get unbiased help. We don't rank or recommend specific plans.
Franklin County at a glance
Upper Arlington is in Franklin County, and stand-alone drug plans are offered county by county. The figures below are Franklin County's, from CMS; they describe availability, not any one plan.
| People with Medicare | 209,028 |
|---|---|
| Residents 65 and older | 173,679 |
| Medicare Advantage plans, most with drug coverage (2027) | 79 |
How Part D drug coverage works
Medicare Part D covers prescription drugs. You can get it two ways: as a stand-alone plan added to Original Medicare, or built into a Medicare Advantage plan that includes drug coverage. Either way, the basic structure is set by Medicare and the plans are run by private insurers.
For 2027, coverage moves through three phases — a deductible phase (no more than $700), an initial coverage phase, then a catastrophic phase. The old 'donut hole' gap is gone, and an annual out-of-pocket cap limits what you pay for covered drugs. An optional Medicare Prescription Payment Plan also lets you spread those costs across the year.
This guide explains those rules as they apply in Upper Arlington, Ohio. Specific drug lists and pricing vary by plan, so for plan-by-plan detail we point you to Medicare's Plan Finder rather than ranking plans ourselves.
Prescription coverage
How Medicare Part D works in 2027
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,400 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.
Try it
How the 2027 Part D drug cap works
Slide to your estimated yearly prescription costs and see how the $2,400 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 $2,400, you pay nothing more for the rest of 2027. Confirm details at Medicare.gov.
Try it
Find your 2026 Medicare premium
Most people pay the standard Part B premium. If your 2024 income was higher, an income-related surcharge (IRMAA) applies. Enter your details to see your bracket.
Surcharges are added to your premiums and based on your 2024 tax return. Married-filing-separately uses a different schedule. Confirm at Medicare.gov.
The 2027 numbers, from shared to plan-specific
Start with what's fixed for everyone. The standard Part B premium is $202.90 per month in 2026 (2026 amount; 2027 figure will be posted when CMS releases it), and Part A is premium-free for most people who paid Medicare taxes long enough while working.
On the drug side, Part D has real guardrails for 2027: a deductible capped at $700 and, a hard $2,400 ceiling on your out-of-pocket costs for covered prescriptions — the old coverage gap is gone.
Higher earners pay more for Parts B and D through an income-related adjustment called IRMAA, which for 2026 starts above $109,000 in annual income for an individual and is based on your 2024 tax return. Most people fall below that line and pay the standard amounts. The 2027 brackets will be posted when CMS releases them.
Everything past that is plan-specific: the premiums, copays, and coverage details of an individual Advantage or Medigap plan change from plan to plan and year to year. Rather than quote or rank those, we point you to Medicare's Plan Finder and a licensed agent for your exact numbers.
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.
When you can enroll or make changes
Medicare's enrollment windows are federal — the same nationwide — so the timing below applies wherever you live.
Your first window (IEP). When you're new to Medicare, your Initial Enrollment Period is the 7-month window around your 65th birthday month. Signing up on time helps you avoid late penalties that can follow you for years.
Annual Enrollment Period (AEP). Each fall, from October 15 – December 7, anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
Medicare Advantage Open Enrollment. From January 1 – March 31, if you're already in an Advantage plan you get one chance to switch plans or return to Original Medicare.
Special Enrollment Periods can also open after certain life events, like moving or losing other coverage. The interactive calendar further down lays the year out visually.
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.
Where to get free, unbiased help near Upper Arlington
Good Medicare help exists and it's free — you don't have to figure this out solo or pay for guidance.
For official specifics and the Plan Finder tool, go straight to Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048). And a licensed agent can compare options and handle the paperwork with you.
One note on who we are: MyMedicarePlans.org is an independent, privately owned educational resource — not Medicare, not a government agency, and not affiliated with one. Our job is to help you get oriented, then hand you off to the official sources and licensed professionals for plan decisions.
Latest Medicare Part D guides for Upper Arlington
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