Medicare Part D

Pennsylvania Part D Plans for 2027: 8 Stand-Alone Drug Plans From 4 Insurers, Down From 12

HARRISBURG — Pennsylvanians who buy a stand-alone Medicare Part D drug plan will see a smaller lineup for the 2027 plan year. According to the CMS 2027 Landscape, 8 stand-alone prescription drug plans will be offered across the state's Part D region from 4 insurers, down from 12 plans and 6 insurers in 2026. Those plans are available region-wide, meaning any Pennsylvania resident with Medicare can choose from the same statewide menu during Medicare Open Enrollment 2027, which runs October 15 through December 7, 2026.

Medicare Part DPennsylvania

How many stand-alone Part D plans are offered in Pennsylvania for 2027?

Pennsylvania will have 8 stand-alone Medicare Part D prescription drug plans from 4 insurers for 2027. That is down from 12 plans and 6 insurers in 2026, a net reduction of 4 plans and 2 insurers.

Pennsylvania is grouped with West Virginia in the CMS Part D region "Pennsylvania, West Virginia," and stand-alone plans are offered region-wide. That means the 8 plans are available to any Medicare beneficiary living in Pennsylvania, regardless of county. Three insurers that sold stand-alone plans in the state for 2026 — Aetna Medicare, HealthSpring, and Highmark Blue Shield — are not offering stand-alone Part D plans in Pennsylvania for 2027. If you are currently enrolled in a plan that is leaving the market, your plan should send you a written notice explaining your options.

Which insurers offer stand-alone Part D plans in Pennsylvania for 2027?

Four insurers will offer stand-alone Part D plans in Pennsylvania for 2027. Listed alphabetically, they are:

• Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan (new to Pennsylvania's stand-alone market for 2027)
• Humana — 3 plans
• UnitedHealthcare — 2 plans
• Wellcare — 2 plans

This list is not a ranking, and nothing here speaks to any plan's premium, drug list, pharmacy network, or quality rating. For plan-by-plan details, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE.

What do the 2027 Part D out-of-pocket cap and deductible limit mean for Pennsylvania enrollees?

For 2027, the annual out-of-pocket cap on covered Part D drugs is $2,400, and the most any Part D plan may charge as a deductible is $700. The out-of-pocket cap is $2,100 in 2026, so the ceiling rises by $300 for 2027.

Once a Pennsylvania enrollee's out-of-pocket spending on covered drugs reaches $2,400 in 2027, they pay $0 for the rest of the calendar year for covered Part D prescriptions. The $700 figure is a maximum: individual plans may set a lower deductible or none at all for some tiers, and those details vary plan by plan. Enrollees can also elect the Medicare Prescription Payment Plan, which spreads out-of-pocket drug costs across the calendar year in monthly installments; details are on medicare.gov.

How many Pennsylvania Part D plans can someone with full Extra Help join for no premium in 2027?

In Pennsylvania, 1 stand-alone Part D plan qualifies as a low-income benchmark plan for 2027, meaning a person with full Extra Help (the Low Income Subsidy) can enroll with no monthly plan premium. That is down from 3 benchmark plans in 2026.

Extra Help is a federal program that lowers Part D premiums, deductibles, and copays for people with limited income and resources. People who already have full Extra Help and are enrolled in a plan that no longer qualifies as a benchmark plan for 2027 may be reassigned by CMS or can switch to the benchmark plan on their own. To apply for Extra Help or check status, visit the Social Security Administration at ssa.gov or call Medicare.

How does stand-alone Part D in Pennsylvania compare with the drug coverage built into Medicare Advantage?

Stand-alone Part D plans in Pennsylvania — the 8 plans counted above — are designed to be paired with Original Medicare (Parts A and B). Medicare Advantage plans are a separate product, and most of them include prescription drug coverage bundled with medical coverage; that drug coverage is not counted in Pennsylvania's 8 stand-alone plans.

Generally, a person enrolled in a Medicare Advantage plan that includes drug coverage should not also enroll in a stand-alone Part D plan, because doing so can cause disenrollment from the Medicare Advantage plan. If you are weighing a stand-alone Part D plan with Original Medicare against a Medicare Advantage plan that includes drugs, the Medicare Plan Finder at medicare.gov lets you compare both.

How can I check a plan's drug list and pharmacies before December 7, 2026?

The fastest way is the Medicare Plan Finder at medicare.gov, where you can enter your ZIP code and your medications to see which Pennsylvania stand-alone Part D plans cover each drug and which pharmacies are in-network. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), which is available 24 hours a day, 7 days a week.

Formularies (covered drug lists) and pharmacy networks can change from one plan year to the next, so it is worth checking even if you plan to stay with your current plan. Each plan also publishes an Annual Notice of Change (ANOC) each fall describing what is changing for the new year. Choices made during Open Enrollment, which ends December 7, 2026, take effect January 1, 2027.

Where can Pennsylvanians get free help choosing a Part D plan?

Two no-cost federal resources can walk Pennsylvanians through their Part D options: medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048). Both can explain enrollment periods, help you compare plans using your medication list, and answer questions about Extra Help.

The Social Security Administration also announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027, which can affect household budgeting as you compare drug plan costs. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not yet been announced by CMS at publication; those figures are typically released in the fall.