Medicare Part D

Wisconsin Part D Plans for 2027: 8 Stand-Alone Drug Plans From 4 Insurers, Down From 10

MADISON, Wis. — People with Medicare in Wisconsin will have 8 stand-alone Medicare Part D prescription drug plans to choose from in 2027, offered by 4 insurers across the state's single CMS Part D region. That is 2 fewer plans and 1 fewer insurer than in 2026, when 10 plans from 5 insurers were on the market. The 2027 lineup takes effect January 1, 2027, for anyone who signs up during Medicare's Annual Enrollment Period, which runs October 15 through December 7, 2026.

Medicare Part DWisconsin

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

Wisconsin has 8 stand-alone Medicare Part D plans from 4 insurers for 2027, down from 10 plans and 5 insurers in 2026. Because Wisconsin is a single CMS Part D region, every one of those stand-alone plans is available statewide — the count is the same whether you live in Milwaukee, Eau Claire, Superior, or a small town in between.

Two insurers that offered stand-alone Part D plans in Wisconsin in 2026 are not offering them in 2027: Aetna Medicare and HealthSpring. One insurer is new to the state's stand-alone market for 2027: Blue Cross and Blue Shield of IL, NM, OK, TX. If your current drug plan is being discontinued, your plan will send a written notice before the Annual Enrollment Period, and you can pick a new plan by December 7, 2026.

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

Four insurers offer stand-alone Part D plans in Wisconsin for 2027. Listed alphabetically, with their 2027 plan counts:

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

This list is not a ranking. Plan specifics — premiums, deductibles, copays, formularies, and pharmacy networks — vary plan by plan and are published through the Medicare Plan Finder at Medicare.gov.

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

In 2027, no Part D enrollee in Wisconsin will pay more than $2,400 out of pocket for covered Part D drugs, and no Part D plan may charge a deductible greater than $700. The out-of-pocket cap is up from $2,100 in 2026.

Once your true out-of-pocket spending on covered drugs reaches $2,400, you pay $0 for the rest of the calendar year for drugs on your plan's formulary. The $700 figure is a ceiling on the deductible — individual plans may set their deductible lower, and some may charge no deductible at all. The Medicare Prescription Payment Plan, which lets you spread covered drug costs across monthly payments through your plan, continues in 2027; details are at Medicare.gov.

Which Part D plans can a Wisconsin resident with full Extra Help join with no premium in 2027?

In Wisconsin, 1 stand-alone Part D plan qualifies as a benchmark plan that someone with full Extra Help can join with no monthly premium in 2027, down from 4 such plans in 2026. Extra Help, also called the Low Income Subsidy, lowers Part D premiums, deductibles, and copays for people who qualify based on income and resources.

If you have full Extra Help and are enrolled in a 2026 benchmark plan that is no longer benchmark for 2027, Medicare may reassign you to another qualifying plan, or you can choose a different plan yourself. You can apply for Extra Help any time through the Social Security Administration or check your status at Medicare.gov.

How does stand-alone Part D in Wisconsin compare with drug coverage in Medicare Advantage?

A stand-alone Part D plan covers prescription drugs only, and it is designed to pair with Original Medicare (Part A and Part B). Most Medicare Advantage plans bundle medical and drug coverage into a single plan, so the 8 stand-alone plans counted here do not include the drug coverage built into Medicare Advantage.

If you are on Original Medicare and want drug coverage, you generally need a stand-alone Part D plan. If you join a Medicare Advantage plan that includes drugs, you usually should not also enroll in a separate Part D plan — doing so can cause you to be disenrolled from the Medicare Advantage plan. Medicare.gov explains how the two paths interact.

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

The Medicare Plan Finder at Medicare.gov lets you enter your Wisconsin ZIP code and your prescriptions and shows which 2027 Part D plans cover your drugs, at which pharmacies, before the December 7, 2026 deadline. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24 hours a day, 7 days a week.

A few things worth confirming for each plan you consider: whether each of your drugs is on the plan's formulary, what tier each drug is on, whether any drugs require prior authorization or step therapy, and whether your preferred pharmacy — including mail-order — is in the plan's network. Formularies and networks can change from year to year, so it is worth checking even if you plan to keep the same insurer.

Where can Wisconsin residents get free help choosing a 2027 Part D plan?

Free, unbiased help with 2027 Part D choices is available year-round from Medicare itself at Medicare.gov and by phone at 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. The Medicare Plan Finder is the official tool for comparing stand-alone Part D plans available in Wisconsin.

A few other dates worth noting: the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The Part D base beneficiary premium, used in calculating the late-enrollment penalty, is $41.33 for 2027; individual plan premiums are set plan by plan. The 2027 Part B standard premium and deductible, and the 2027 IRMAA income-related surcharge amounts, had not been announced by CMS as of this writing and are typically released in the fall.