Medicare Part D
Huntington Part D cap 2027 — W.Va.
HUNTINGTON, W.Va. — In 2027, no one with a Medicare Part D drug plan will pay more than $2,400 out of pocket for covered prescriptions in a calendar year. The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027, and the 2027 figure takes effect January 1.
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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.
- Every prescription checked, name by name
- Your pharmacy checked for preferred pricing
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Key takeaways
- Starting January 1, 2027, Medicare Part D plans will cap out-of-pocket drug costs at $2,400 per year under the federal rule that first set a cap at $2,100 in 2026.
- The Medicare Prescription Payment Plan lets you spread your drug costs into monthly bills instead of paying it all at the pharmacy, though it doesn't lower your total costs.
- The Annual Enrollment Period runs October 15 through December 7, 2026, giving you time to check your prescriptions, pharmacy network, and Annual Notice of Change before choosing a plan for 2027.
- If you're satisfied with your current plan after reviewing your Annual Notice of Change, you don't need to take any action and will automatically continue into 2027 if the plan is offered.
A big shift for Part D starts January 1
For people who take expensive medications — cancer drugs, blood thinners, insulin-related therapies, specialty treatments — the annual cap remains one of the largest changes Medicare has seen in years. And with the Annual Enrollment Period running October 15 through December 7, 2026, now is the time to understand what it means before you pick a plan for 2027.
What actually changed
Three things are worth knowing:
- The out-of-pocket cap. Once your out-of-pocket spending on covered Part D drugs hits the annual cap, you pay nothing for the rest of the year on those covered drugs. The cap is $2,100 in 2026 and $2,400 in 2027, and it adjusts each year with inflation.
- The coverage gap is gone. The old "donut hole" — that middle phase where costs suddenly jumped — was eliminated in 2025. Part D now has just three phases: the deductible, the initial coverage phase, and the catastrophic phase (where you pay nothing after hitting the cap).
- The Part D deductible ceiling is $615 for 2026 and $700 for 2027. Plans can charge less, but no Part D plan can charge more than that up front.
These rules come from CMS and apply to every Part D plan nationwide, whether it's a stand-alone drug plan or drug coverage built into a Medicare Advantage plan.
The Medicare Prescription Payment Plan: spreading costs out
Alongside the cap, there's a newer option called the Medicare Prescription Payment Plan. It doesn't lower your drug costs — but it lets you spread them out over the calendar year in monthly bills instead of paying the full amount at the pharmacy counter.
Here's how it works in plain terms:
- You opt in through your Part D plan (it's free to join).
- When you fill a prescription, you pay $0 at the pharmacy.
- Your plan sends you a monthly bill for what you owe, spread across the months remaining in the year.
- Your total yearly cost doesn't change — but a $600 refill in January becomes smaller monthly payments instead of one big hit.
This can help people who have trouble covering a large pharmacy charge early in the year. It's less useful for people whose drug costs are low and steady. You can sign up anytime during the year, but signing up earlier means the cost gets spread over more months.
Who benefits most
The cap helps a specific group the most: people whose drug costs used to push past that number. Under the old rules, some Huntington-area residents on high-cost medications were paying several thousand dollars a year out of pocket. In 2026 that stops at $2,100, and in 2027 it stops at $2,400.
If your annual drug costs are already well below $2,100, the cap won't change your total spending — but the payment plan option might still be useful for smoothing out an expensive month.
One more thing to know: IRMAA, the income-related surcharge that adds to Part B and Part D premiums, kicks in above $109,000 in income for a single filer in 2026 (higher for joint filers). It's based on your tax return from two years earlier.
What Huntington residents should check during AEP
Huntington is in Cabell County, and like the rest of West Virginia, it has a range of stand-alone Part D plans and Medicare Advantage plans with drug coverage available. Plan availability is set at the county level by CMS.
Before December 7, it's worth doing three things:
1. Log in to the Plan Finder at medicare.gov and enter your current prescriptions. It will show you what each plan in Cabell County would cost you personally in 2027. 2. Check whether your pharmacy is in-network for the plans you're considering. Preferred pharmacies often mean lower copays. 3. Read your plan's Annual Notice of Change (ANOC), which your current plan mailed you in September. Formularies, tiers, and premiums often shift year to year.
If you're happy with your current plan after reviewing the ANOC, you don't have to do anything — you'll roll into 2027 automatically if the plan is offered.
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 Cabell County
(MA penetration in Cabell 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 2027
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 in 2026 ($2,400 in 2027) 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 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
Does the $2,100 cap include my monthly premium?
If I join the payment plan, what happens if I don't pay a monthly bill?
Do I need to do anything to get the $2,100 cap?
- CMS — Medicare Part D program rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.