{
  "title": "Medicare Part D 2027: Deductible, Out-of-Pocket Cap and Base Premium",
  "canonical": "https://quantcalc.app/medicare-part-d-premium-2027/",
  "status": "OFFICIAL",
  "license": "CC-BY-4.0",
  "date_modified": "2026-09-24",
  "sources": [
    {
      "label": "CMS, CY 2027 Rate Announcement (6 April 2026), Part D benefit parameters table",
      "url": "https://www.cms.gov/files/document/2027-announcement.pdf",
      "verified": "pdftotext of 2027-announcement.pdf, benefit-parameter table: 'Deductible $615 $700' and 'Out-of-Pocket Threshold $2,100 $2,400' (CY 2026 and CY 2027 columns)."
    },
    {
      "label": "CMS, Medicare Part D 2027 National Average Monthly Bid Amount Information (28 July 2026)",
      "url": "https://www.cms.gov/newsroom/fact-sheets/medicare-part-d-2027-national-average-monthly-bid-amount-information",
      "verified": "Text read 2026-09-24: 'In 2027, the NAMBA will be $296.05' and 'For 2027, the base beneficiary premium will be $41.33'."
    },
    {
      "label": "CMS, Annual Release of Part D National Average Bid Amount (28 July 2025)",
      "url": "https://www.cms.gov/files/document/july-28-2025-parts-c-d-announcement.pdf"
    }
  ],
  "figures": {
    "rows": [
      {
        "key": "base_premium",
        "label": "National base beneficiary premium (monthly)",
        "value_2026": 38.99,
        "value_2027": 41.33,
        "status_2027": "OFFICIAL",
        "note": "The yardstick for the late-enrollment penalty; not what any plan charges"
      },
      {
        "key": "namba",
        "label": "National average monthly bid amount",
        "value_2026": 239.27,
        "value_2027": 296.05,
        "status_2027": "OFFICIAL",
        "note": "Enrollment-weighted average of plan bids; sets the government subsidy"
      },
      {
        "key": "deductible",
        "label": "Standard deductible (maximum a plan may charge)",
        "value_2026": 615,
        "value_2027": 700,
        "status_2027": "OFFICIAL",
        "note": "Plans may set a lower deductible, or none"
      },
      {
        "key": "oop_cap",
        "label": "Annual out-of-pocket threshold (cap)",
        "value_2026": 2100,
        "value_2027": 2400,
        "status_2027": "OFFICIAL",
        "note": "After this, you pay $0 for covered drugs for the rest of the year"
      }
    ],
    "irmaa_part_d_2026": {
      "single": [
        {
          "magiFloor": 109000,
          "partBMonthly": 81.2,
          "partDMonthly": 14.5
        },
        {
          "magiFloor": 137000,
          "partBMonthly": 202.9,
          "partDMonthly": 37.5
        },
        {
          "magiFloor": 171000,
          "partBMonthly": 324.6,
          "partDMonthly": 60.4
        },
        {
          "magiFloor": 205000,
          "partBMonthly": 446.3,
          "partDMonthly": 83.3
        },
        {
          "magiFloor": 500000,
          "partBMonthly": 487,
          "partDMonthly": 91
        }
      ],
      "mfj": [
        {
          "magiFloor": 218000,
          "partBMonthly": 81.2,
          "partDMonthly": 14.5
        },
        {
          "magiFloor": 274000,
          "partBMonthly": 202.9,
          "partDMonthly": 37.5
        },
        {
          "magiFloor": 342000,
          "partBMonthly": 324.6,
          "partDMonthly": 60.4
        },
        {
          "magiFloor": 410000,
          "partBMonthly": 446.3,
          "partDMonthly": 83.3
        },
        {
          "magiFloor": 750000,
          "partBMonthly": 487,
          "partDMonthly": 91
        }
      ],
      "mfs": [
        {
          "magiFloor": 109000,
          "partBMonthly": 446.3,
          "partDMonthly": 83.3
        },
        {
          "magiFloor": 391000,
          "partBMonthly": 487,
          "partDMonthly": 91
        }
      ]
    }
  }
}