Medicare Part D

Virginia Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers

RICHMOND — People with Medicare across Virginia will have nine stand-alone Medicare Part D prescription drug plans to choose from for 2027, offered by five insurers, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files. That is the same plan and insurer count the state had in 2026, with one insurer entering the stand-alone market and one leaving.

Medicare Part DVirginia

Stand-alone Part D plans are sold region-wide in the CMS Part D region named "Virginia," so the nine plans counted here are available to Medicare beneficiaries anywhere in the state. Drug coverage built into a Medicare Advantage plan is a separate product and is not included in this count.

Choices for 2027 can be made during Medicare's Annual Enrollment 2027, which runs October 15 through December 7, 2026. A plan selected during that window takes effect January 1, 2027.

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

Virginia has 9 stand-alone Medicare Part D plans from 5 insurers for 2027, according to the CMS 2027 Landscape file. Those totals match 2026, which also had 9 plans from 5 insurers.

Two changes sit behind the matching totals. Blue Cross and Blue Shield of IL, NM, OK, TX is new to Virginia's stand-alone Part D market in 2027. HealthSpring offered a stand-alone plan in Virginia in 2026 but is not offering one in 2027. Because stand-alone plans in the Virginia CMS Part D region are sold statewide, the counts apply the same way whether a reader lives in Northern Virginia, Hampton Roads, the Shenandoah Valley or Southwest Virginia.

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

Five insurers offer stand-alone Part D plans in Virginia for 2027. In alphabetical order, 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

The plan counts above come from the CMS 2027 Landscape file and are listed without any ranking. Premiums, deductibles, copays, pharmacy networks, covered drugs and star ratings vary plan by plan and are not described here; those details live in the Medicare Plan Finder at medicare.gov and in each plan's own documents.

What do the 2027 Part D out-of-pocket cap and deductible limit mean in Virginia?

For 2027, the Part D annual out-of-pocket cap is $2,400, up from $2,100 in 2026, and the most any Part D plan may charge as a deductible is $700. Both rules apply nationwide and therefore to every stand-alone plan counted in Virginia.

The $2,400 figure is a ceiling on what a member pays out of pocket for covered Part D drugs in the plan year. Once a member's covered drug spending reaches that amount, they pay $0 for covered Part D drugs for the rest of the calendar year. The $700 figure is the maximum deductible a plan is allowed to set; individual plans may set a lower deductible, or none. The Part D base beneficiary premium for 2027 is $41.33, a national figure CMS uses to calculate the Part D late-enrollment penalty; actual monthly premiums are set plan by plan.

Which Virginia Part D plans can someone with full Extra Help join at no premium in 2027?

In Virginia, 1 stand-alone Part D plan is available for 2027 with no monthly premium to a person who qualifies for full Extra Help, compared with 2 such benchmark plans in 2026. These are what CMS calls low-income benchmark plans.

Extra Help, also known as the Low Income Subsidy, lowers Part D premiums, deductibles and copays for people who qualify based on income and resources. Someone can apply for Extra Help through the Social Security Administration at ssa.gov or by calling Social Security. The specific benchmark plan available in Virginia for 2027 is identified in the Medicare Plan Finder at medicare.gov.

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

A stand-alone Part D plan in Virginia is prescription drug coverage sold on its own and typically paired with Original Medicare. The nine stand-alone plans counted in this article are those plans. Many Medicare Advantage plans include prescription drug coverage as part of the Medicare Advantage package, but those plans are counted separately and are not part of the nine stand-alone plans listed here.

In practice, a Virginia reader comparing options for 2027 will see both kinds of coverage in the Medicare Plan Finder. The Part D rules on the $2,400 out-of-pocket cap and the $700 maximum deductible apply to Part D drug coverage whether it is sold stand-alone or built into a Medicare Advantage plan.

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

The Medicare Plan Finder at medicare.gov lets a Virginia resident type in a ZIP code and a list of prescriptions, then see each plan's formulary (drug list), preferred and standard pharmacies, mail-order options and estimated yearly cost. It is the most direct way to compare 2027 options before the December 7, 2026 deadline.

Three practical steps before enrolling: list every prescription with dose and quantity; check that each drug appears on the plan's 2027 formulary; and confirm that a usual pharmacy is in the plan's network for 2027. Insurers can also share their 2027 Evidence of Coverage and formulary on request.

Where can Virginians get free help with Part D for 2027?

Two no-cost sources answer Part D questions in Virginia year round. Medicare.gov hosts the Plan Finder, the official plan documents and the Medicare & You handbook. The toll-free line 1-800-MEDICARE (1-800-633-4227) is staffed 24 hours a day, seven days a week, and TTY users can call 1-877-486-2048.

The Social Security Administration handles Extra Help applications and, on October 14, 2026, announced a 3.6 percent cost-of-living adjustment for Social Security benefits payable beginning January 2027. CMS has not yet announced the 2027 Part B standard premium and deductible or the 2027 IRMAA income brackets; those are typically released in the fall and will appear on medicare.gov.