Medicare Part D
Gillette, WY: 2027 Part D $2,400 Cap
GILLETTE, Wyo. — If you take prescription medicines, 2027 brings another shift to Medicare Part D. Starting January 1, 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. Once you hit that ceiling, your covered drugs cost you nothing for the rest of the year.
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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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Speak to a Licensed Insurance Agent
Click to call 855-729-3240Key takeaways
- Starting January 1, 2027, people with Medicare Part D drug coverage will not pay more than $2,400 out of pocket for covered prescriptions in a calendar year.
- Once that yearly limit is reached, covered drugs cost nothing for the rest of the year, and the counter resets each January 1.
- The coverage gap known as the "donut hole" was eliminated in 2025 and remains gone, and a free Medicare Prescription Payment Plan lets people spread drug costs into monthly payments instead of paying all at once.
- This cap is a federal Part D rule that applies to both stand-alone drug plans and Medicare Advantage plans with drug coverage, and it does not include monthly premiums.
That's a real shift from the Medicare many Gillette residents grew up with — and it's worth understanding before the Annual Enrollment Period ends on December 7.
The 2027 out-of-pocket cap, explained simply
The new cap applies to what you personally spend on covered Part D drugs — things like your deductible and copays or coinsurance at the pharmacy. It does not include your monthly plan premium.
Once your out-of-pocket spending on covered Part D drugs reaches $2,400 during 2027, you move into what Medicare calls the "catastrophic" phase, and you pay nothing for the rest of the calendar year on covered prescriptions. The counter resets each January 1.
This cap applies whether your drug coverage comes through a stand-alone Part D plan or is built into a Medicare Advantage plan that includes drug coverage.
The "donut hole" is gone
For years, people on Medicare dreaded the coverage gap — the "donut hole" — where costs would jump partway through the year. That gap was eliminated in 2025 and remains gone.
Part D now has just three phases:
1. Deductible phase — you pay the full negotiated price until you meet your plan's deductible (no more than $615 in 2026). 2. Initial coverage phase — you pay a copay or coinsurance while your plan pays the rest. 3. Catastrophic phase — once your out-of-pocket spending hits $2,100 in 2026 ($2,400 in 2027), you pay nothing more for covered drugs that year.
Simpler math, and far more predictable for people on expensive medications.
The Medicare Prescription Payment Plan
Even with a yearly cap, hitting that number early in the year can still sting. A person who fills a costly specialty prescription in January could owe hundreds of dollars in a single month.
That's where the Medicare Prescription Payment Plan comes in. It's a free, optional program that lets you spread your out-of-pocket drug costs across the calendar year in monthly payments instead of paying the pharmacy all at once.
A few things to know:
- You still owe the same total — the program smooths the payments, it doesn't reduce them.
- You sign up through your drug plan, not the pharmacy.
- You can opt in at any time during the year, but signing up earlier captures more of your costs.
- If you rarely fill prescriptions or your drugs are inexpensive, this program may not help much. It's most useful for people facing large, uneven drug bills.
Common mistakes to avoid this fall
A few pitfalls we see every enrollment season:
- Assuming your current plan will look the same in 2027. Plans send an Annual Notice of Change each September. Read it. Formularies (the list of covered drugs), pharmacy networks, and cost-sharing tiers can shift year to year.
- Skipping the drug list check. Even with the new cap, whether a specific medication is covered — and at what tier — still varies by plan.
- Waiting past December 7. That's the deadline to make Part D or Medicare Advantage changes for a January 1 start.
- Forgetting about IRMAA. Higher-income beneficiaries pay an income-related surcharge on Part B and Part D. In 2026, IRMAA begins above $109,000 in income for a single filer (higher thresholds apply for joint filers).
What this means around Gillette
Gillette is in Campbell County, where residents choose among the Part D and Medicare Advantage plans offered in the county each year. The number of plans available shifts annually — the 2027 lineup is detailed in each plan's ANOC and on Medicare.gov's Plan Finder — and the cap applies across all of them because it's a federal Part D rule, not a plan feature.
For a personalized look at what's offered locally, the Plan Finder at medicare.gov lets you enter your ZIP code and your medications to compare coverage. Wyoming's State Health Insurance Information Program (SHIIP) also offers free, unbiased counseling for people on Medicare.
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 Campbell County
(MA penetration in Campbell 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”) was eliminated in 2025 (three phases now). There's a hard yearly cap on what you pay out of pocket for covered drugs — $2,100 in 2026 and $2,400 in 2027 — 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 yearly cap include my monthly premium?
If I'm on a Medicare Advantage plan with drug coverage, does the cap still apply?
Do I have to sign up for the payment plan?
- CMS — Medicare Part D program rules (medicare.gov)
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.