This page collects the 2027 Medicare amounts that CMS and the IRS have officially published, and compares them with 2026. Medicare's costs are federal, so they're the same in Seattle, Spokane, Yakima or Port Angeles; what differs in Washington is which plans are offered in your county and which state programs you qualify for. For the full set of 2026 amounts, see Medicare costs in 2026. Jump to: 2026 vs 2027 · Part D · Medicare Advantage · Medigap · Extra Help · IRMAA · Part A and Part B · Help in Washington
Where things stand on November 9, 2026: CMS has published the 2027 Part D benefit amounts, the Medicare Advantage out-of-pocket limits, the Medigap Plan K, Plan L and high-deductible amounts, and the Extra Help copays. CMS has not yet published the 2027 Part A and Part B premiums and deductibles or the IRMAA brackets; they come in one announcement, expected in mid-November 2026. Extra Help and Medicare Savings Program income limits for 2027 usually follow in early 2027, after the new federal poverty guidelines. We add each amount here once it's official.
What's changing from 2026 to 2027
These are the 2027 amounts published so far, next to the 2026 amounts they replace.
| Amount | 2026 | 2027 | Change |
|---|---|---|---|
| Part D out-of-pocket cap | $2,100 | $2,400 | +$300 |
| Highest Part D deductible a plan can charge | $615 | $700 | +$85 |
| Part D national base beneficiary premium (monthly) | $38.99 | $41.33 | +$2.34 |
| Insulin, per month's supply of each covered insulin | $35 | $35 | No change |
| Medicare Advantage in-network out-of-pocket limit (highest allowed) | $9,250 | $9,850 | +$600 |
| Medicare Advantage PPO combined limit (highest allowed) | $13,900 | $14,800 | +$900 |
| Medigap high-deductible Plan G and Plan F deductible | $2,950 | $3,050 | +$100 |
| Medigap Plan K out-of-pocket limit | $8,000 | $8,360 | +$360 |
| Medigap Plan L out-of-pocket limit | $4,000 | $4,180 | +$180 |
The Part B coinsurance (20% of the Medicare-approved amount for most services) and the Part B late penalty (10% of the standard premium for each full 12 months you delayed) are set by law and don't change in 2027.
How much will Part D drugs cost in 2027?
| Part D amount | 2027 |
|---|---|
| Yearly cap on your out-of-pocket costs for covered drugs | $2,400 |
| Highest yearly deductible a plan can charge | $700 |
| Most you pay for a month's supply of each covered insulin | $35 |
| National base beneficiary premium (used to figure the late penalty) | $41.33 a month |
The cap and the deductible both rise in 2027 because federal law ties them to growth in Part D drug spending. Once what you pay for covered drugs reaches $2,400, you pay nothing more for covered Part D drugs for the rest of 2027. Each plan sets its own premium and can have a lower deductible or none. Covered insulin stays at no more than $35 for a month's supply, and the plan's deductible doesn't apply to it. Medicare-negotiated prices for 15 more Part D drugs also take effect January 1, 2027.
For 2027, 4 companies offer 8 standalone Part D plans in Washington (CMS data). The Part D late enrollment penalty is 1% of the national base beneficiary premium for each full month you went without Part D or other creditable drug coverage, so the penalty amount also rises when that premium rises. You can spread your drug costs over the year with the Medicare Prescription Payment Plan. Estimate how fast you'd reach the cap with the drug cap calculator (it uses 2026 amounts), and read more on Part D in Washington and prescription drug costs in Washington.
Tip: A higher cap and deductible are only part of the story. Plans also change their drug lists, pharmacy networks and costs each year, so read your plan's Annual Notice of Change and check your prescriptions before the Annual Enrollment Period ends on December 7, 2026.
What are the Medicare Advantage out-of-pocket limits for 2027?
| Medicare Advantage limit | 2027 maximum |
|---|---|
| In-network services (HMO and PPO) | $9,850 |
| In- and out-of-network services combined (PPO) | $14,800 |
These are the highest limits CMS allows for Part A and Part B services in 2027; each plan sets its own limit at or below them and shows it in its Summary of Benefits. The limit resets every January 1. Drug costs count toward the separate Part D cap, not this limit, and you still pay the Part B premium with a Medicare Advantage plan. Original Medicare has no yearly out-of-pocket limit, which is one reason many people pair it with Medigap.
For 2027, 14 companies offer Medicare Advantage plans in Washington, and 71 plans are open to everyone somewhere in the state, plus 43 special needs plans (CMS data); what's offered varies a lot by county. Many Washington Medicare Advantage plans end on December 31, 2026, because of company exits and non-renewals. If your plan is ending, you can choose new coverage through February 28, 2027 (choose by December 31 to avoid a gap), and you may have a guaranteed right to buy a Medigap policy until 63 days after the plan ends. See Washington Medicare plans ending in 2027, plans by county and Medicare Advantage in Washington.
Medigap amounts for 2027
Insurance companies set Medigap premiums, but CMS sets a few amounts for the standardized plans each year:
| Medigap amount | 2027 |
|---|---|
| High-deductible Plan G deductible (also high-deductible Plan F, for people eligible for Medicare before 2020) | $3,050 |
| Plan K yearly out-of-pocket limit | $8,360 |
| Plan L yearly out-of-pocket limit | $4,180 |
| Plan N copays | Up to $20 for some office visits, up to $50 for emergency room visits that don't lead to admission |
Thinking about changing Medigap plans for 2027? Washington lets people who already have a Medigap policy replace it without health questions with a plan that has the same or fewer benefits (RCW 48.66.045), and Washington companies charge everyone with the same plan the same premium rather than pricing by age. Moving to a plan with more benefits, or into Medigap from Medicare Advantage outside a guaranteed-issue situation, can mean health questions. See Medigap in Washington and switching back to Original Medicare.
Extra Help copays in 2027
Extra Help (the Part D Low-Income Subsidy) lowers drug plan premiums, deductibles and copays. CMS has set the most people with Extra Help pay per prescription in 2027:
| Most you pay per prescription | Generic, 2026 | Generic, 2027 | Brand name, 2026 | Brand name, 2027 |
|---|---|---|---|---|
| Most people with Extra Help | $5.10 | $5.80 | $12.65 | $14.40 |
| Full Apple Health members with income at or below 100% of the poverty level | $1.60 | $1.65 | $4.90 | $5.00 |
People with full Apple Health who live in a nursing facility, or who get home and community-based services instead, pay nothing for covered Part D drugs. Once anyone with Extra Help reaches the out-of-pocket cap, they pay nothing more for covered drugs that year.
The 2027 Extra Help income and resource limits aren't published yet. CMS usually sends plans the next year's resource limits in the fall, and the income limits follow the new federal poverty guidelines released each January. Until then, the 2026 limits are the latest official amounts.
IRMAA in 2027: which income counts?
Higher-income people pay an income-related monthly adjustment amount (IRMAA) on top of the Part B premium and their Part D plan premium. Social Security generally uses your modified adjusted gross income (MAGI) from two years earlier, so 2027 IRMAA is based on your 2025 federal tax return. The brackets are cliffs: a single dollar over a threshold moves you into the whole higher amount.
CMS hasn't published the 2027 brackets or amounts yet; they come with the Part B premium announcement, expected in mid-November 2026. For comparison, in 2026 IRMAA started above $109,000 of MAGI for a single filer and $218,000 for a married couple filing jointly; the full 2026 table is on the IRMAA in Washington page, and the IRMAA calculator uses the 2026 brackets until the 2027 ones are official.
Tip: If your income dropped after 2025 because you retired, cut back on work, lost a pension or your spouse died, you can ask Social Security to use a more recent year with Form SSA-44. That's common for people who retired in 2025 or 2026 from high-paying Puget Sound jobs with stock compensation.
Part A and Part B in 2027: not announced yet
The 2027 Part B standard premium and deductible, the Part A hospital deductible and coinsurance, and the Part A premium for people without enough work history all come from one CMS announcement, expected in mid-November 2026 and effective January 1. As of November 9, 2026, it hadn't been published. If you get Social Security, your notice for 2027 will show the new Part B premium and your cost-of-living adjustment together.
Until then, the latest official amounts are for 2026: a standard Part B premium of $202.90 a month, a Part B deductible of $283 and a Part A deductible of $1,736 per benefit period. All 2026 Part A and Part B amounts are on Medicare costs in 2026.
Still working at 65? HSA limits for 2027
If you're delaying Medicare because you have a high-deductible plan through current work, the IRS limits for 2027 are $4,500 for self-only coverage and $9,000 for family coverage, plus a $1,000 catch-up for people 55 and older. Once you're enrolled in any part of Medicare, you can't contribute to an HSA. Part A can start up to six months before the month you sign up (but not before you turn 65), so many people stop contributions six months before they enroll. See Working past 65 in Washington and HSAs and Medicare.
Help paying Medicare costs in Washington
Medicare Savings Programs
QMB, SLMB and QI-1 pay the Part B premium, and QMB also covers Part A premiums, deductibles and coinsurance. Washington's income limits are 110%, 120% and 138% of the federal poverty level, higher than the national ones, and there's no asset test. Learn more.
Extra Help
Lowers Part D premiums, deductibles and copays, and comes automatically with a Medicare Savings Program, full Apple Health or SSI. Others apply through Social Security. Learn more.
Apple Health
Full Apple Health (Medicaid) pays after Medicare for covered services and covers some care Medicare doesn't, including long-term services and supports for people who qualify. Apple Health and Medicare.
A licensed insurance agent
A licensed insurance agent with Benefits Life can explain how 2027 plans from the companies they work with handle these costs, at no cost to you: (206) SENIORS (206-736-4677), TTY 711.
Because Washington's Medicare Savings Programs have no asset test, someone whose savings are too high for Extra Help on its own may still qualify for a Medicare Savings Program and then get Extra Help automatically. Apply through Washington Connection or at a DSHS Community Services Office, or check where you might qualify with the savings programs calculator (the Health Care Authority makes the final decision). To review 2027 coverage, see plans in your ZIP code.
Sources
- CMS — CY 2027 Rate Announcement, April 6, 2026 (Attachment V: Part D benefit parameters and Extra Help copays)
- CMS — CY 2027 Part D national average monthly bid amount and base beneficiary premium, July 28, 2026
- CMS — Final Contract Year 2027 Standards for Part C Benefits, Bid Review and Evaluation, April 22, 2026 (Table 3, MOOP limits)
- CMS — Deductible for Medigap high-deductible options F, G and J for 2027, October 2026
- CMS — Out-of-pocket limits for Medigap Plans K and L for 2027, October 2026
- CMS — Medicare Drug Price Negotiation Program
- CMS — CY2027 Landscape file, November 2026 (Washington plan and company counts)
- Social Security POMS HI 01101.010 — Income-related monthly adjustment amount (tax year used)
- Medicare.gov — When does Medicare coverage start? (Part A start date and HSAs)
- IRS — Rev. Proc. 2026-24, 2027 HSA inflation-adjusted amounts
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- Medicare.gov — Help with drug costs (Extra Help)
- Washington Health Care Authority — Medicare Savings Program (no asset test)
- WAC 182-517-0100 — Medicare savings programs (income limits as a share of the poverty level)
- RCW 48.66.045 — Medicare supplement policies: replacement and premiums
- DSHS — Washington Connection
Frequently asked questions
What is the Part D out-of-pocket cap for 2027?
$2,400. Once your out-of-pocket costs for covered Part D drugs reach that amount in 2027, you pay nothing more for covered drugs for the rest of the year. The cap was $2,100 in 2026, and the most a plan can charge as a deductible rises from $615 to $700.
When will the 2027 Part B premium be announced?
CMS announces the next year's Part A and Part B premiums and deductibles each fall, together with the IRMAA brackets, and the 2027 amounts are expected in mid-November 2026. The 2026 amounts were announced in mid-November 2025. Social Security then mails each person who gets benefits a notice showing their new premium and benefit amount. Until then, the 2026 standard Part B premium of $202.90 a month is the latest official amount.
What income is used for IRMAA in 2027?
Social Security generally uses your modified adjusted gross income from two years earlier, so 2027 Part B and Part D income-related amounts are based on your 2025 federal tax return. If your income has dropped since 2025 because of retirement or another life-changing event, you can ask Social Security to use a more recent year with Form SSA-44.
How high can a Medicare Advantage plan's out-of-pocket limit be in 2027?
Up to $9,850 for in-network Part A and Part B services, up from $9,250 in 2026. For PPO plans, the limit for in-network and out-of-network services combined can be up to $14,800. Each plan sets its own limit at or below these amounts, and Part D drug costs count toward the separate Part D cap instead.
What is the high-deductible Plan G deductible for 2027?
$3,050, up from $2,950 in 2026. The same deductible applies to high-deductible Plan F for people who were eligible for Medicare before January 1, 2020. You pay Medicare-covered costs up to that amount before the policy starts paying.
Can I get help paying Medicare costs in Washington in 2027?
Yes. Washington's Medicare Savings Programs (QMB, SLMB and QI-1), run by the Health Care Authority, cover people with income up to 138% of the federal poverty level, and Washington doesn't count savings or other assets for them. Anyone approved also gets Extra Help with Part D drug costs automatically. Apply through Washington Connection.
Medicare in your Washington county
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