The 2027 Part D Numbers
Part D is Medicare's prescription drug coverage. You get it either inside a Medicare Advantage plan or as a standalone plan next to Original Medicare and a Medigap policy. Every year CMS resets the standard benefit, and for 2027 both headline numbers went up.
| Measure | 2026 | 2027 |
|---|---|---|
| Standard deductible | $615 | $700 |
| Annual out-of-pocket threshold (cap) | $2,100 | $2,400 |
Source: CMS, CY2027 Medicare Advantage and Part D Rate Announcement, accessed October 26, 2026.
The cap is the good news that stays: once your share of covered drug costs reaches $2,400 in 2027, you pay nothing more for covered drugs that year. The deductible is the part people feel in January, and plans are allowed to set a lower one.
Every Standalone Part D Plan in Idaho for 2027
CMS reports 8 standalone Part D plans in Idaho for 2027, down from 10 in 2026, and all of them are sold statewide. The lowest premium is $5.30 a month, and 18.17% of Idahoans in a standalone drug plan get Extra Help (CMS Idaho 2027 fact sheet).
| Plan | Benefit | Monthly premium | Deductible |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare | Enhanced | $5.30 | $700 |
| Wellcare Classic (PDP) Wellcare | Basic | $7.30 | $700 |
| Humana Basic Rx Plan (PDP) Humana | Basic | $30.60 | $700 |
| Humana Value Rx Plan (PDP) Humana | Enhanced | $34.70 | $687 |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare | Basic | $92.70 | $700 |
| HealthSpring Assurance Rx (PDP) HealthSpring | Basic | $94.80 | $700 |
| Humana Premier Rx Plan (PDP) Humana | Enhanced | $134 | $350 |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare | Enhanced | $238 | $300 |
Source: CMS CY2027 Medicare Advantage and Part D Landscape file (202610), accessed October 26, 2026.
Here is the trap: the cheapest premium is not the cheapest plan. A low-premium plan with the full $700 deductible can cost you more over the year than a higher-premium plan that skips the deductible on your drugs. The only way to know is to price your own list.
Drugs With Medicare Negotiated Prices in 2027
CMS lists 15 Part D drugs whose negotiated prices go into effect on January 1, 2027 (CMS Drug Price Negotiation Program): Austedo and Austedo XR, Breo Ellipta, Calquence, Ibrance, Janumet and Janumet XR, Linzess, Ofev, Otezla and Otezla XR, Ozempic, Rybelsus and Wegovy, Pomalyst, Tradjenta, Trelegy Ellipta, Vraylar, Xifaxan and Xtandi. A negotiated price lowers what Medicare plans pay for the drug. What you pay at the counter still depends on your plan's tier, deductible and pharmacy, which is why we check your plan, not the headline.
Spreading Drug Costs Over the Year
If a big January bill worries you, the Medicare Prescription Payment Plan lets you pay your out-of-pocket drug costs in monthly amounts through your plan instead of all at once at the pharmacy. Medicare is clear that it does not lower your total cost, it just spreads it out. It can help when one prescription is expensive early in the year.
How We Compare Drug Plans
We take your list, every drug, dose and how often you fill it, plus your pharmacy, and price it against the 2027 plans we represent. You see the total for the year: premiums plus deductible plus copays. If you are on Medicare Advantage, we check the drug coverage inside your plan the same way. Then we tell you plainly which one fits.
Call or text 208-350-9933 before December 7, 2026, and we will run it for you. There is no charge for our time.
Let us run your prescriptions
Send your drug list with doses and your pharmacy. We price it against the 2027 plans we represent and show you the total yearly cost, not just the premium.
Call or text 208-350-9933 Send us a messageFrequently Asked Questions
What is the Part D deductible for 2027?
The standard Part D deductible is $700 for 2027, up from $615 in 2026, per the CMS CY2027 Rate Announcement. Some plans set a lower deductible or skip it on certain drug tiers.
What is the Part D out-of-pocket cap for 2027?
Your out-of-pocket spending on covered Part D drugs is capped at $2,400 for 2027, up from $2,100 in 2026. After you reach it, covered drugs cost you nothing for the rest of the year.
How many standalone Part D plans are sold in Idaho for 2027?
8, all sold statewide: 4 basic and 4 enhanced. Monthly premiums run from $5.30 to $238 in the CMS 2027 Landscape file.
Which drugs have Medicare negotiated prices starting in 2027?
CMS lists 15 Part D drugs whose negotiated prices take effect January 1, 2027, including Ozempic, Rybelsus and Wegovy, Trelegy Ellipta, Xtandi, Ibrance, Janumet, Tradjenta, Linzess and Otezla. What you pay still depends on your plan.
Can Personal Touch check my prescriptions against the 2027 plans?
Yes. Send us your list with doses and your pharmacy, and we price it against the 2027 plans we represent before December 7. There is no cost to you. Call or text 208-350-9933.
Keep Reading
Sources
- CMS, CY2027 Medicare Advantage and Part D Rate Announcement (Part D deductible and out-of-pocket threshold), accessed October 26, 2026
- CMS CY2027 Medicare Advantage and Part D Landscape file (202610), Idaho standalone Part D plans, accessed October 26, 2026
- CMS, Medicare Open Enrollment in Idaho, 2027 fact sheet (September 28, 2026), accessed October 26, 2026
- CMS, Medicare Drug Price Negotiation Program: selected drugs and negotiated prices, accessed October 26, 2026
- Medicare.gov, What is the Medicare Prescription Payment Plan?, accessed October 26, 2026
Figures are labelled with the year they apply to and were checked against the official sources above on the date shown. This page is general education, not individual advice. Personal Touch Ins. & Benefits, LLC is not connected with or endorsed by the U.S. government or the federal Medicare program.