2027 Medicare Plans Are Out — 7 Changes to Check Before October 15

Описание: 2027 Medicare plan information is now available, and several numbers deserve a closer look before Open Enrollment begins October 15.

CMS projects the national weighted-average Medicare Advantage premium at about $12 for 2027, while the defined standard Part D deductible rises to $700 and the standard Part D out-of-pocket threshold rises to $2,400.

In this RetireClearUS update, we break down 7 things to check before making any Medicare coverage decision:
• your actual 2027 premium
• prescription formulary
• pharmacy network
• doctors and hospitals
• deductible, copays and coinsurance
• Medicare Advantage maximum out-of-pocket rules
• total estimated annual cost and available 2027 options

Important: national averages are not your individual plan. Review your Annual Notice of Change and compare the plans available in your ZIP code.

Key dates:
October 1 — begin comparing 2027 options
October 15 — Medicare Open Enrollment begins
December 7 — Medicare Open Enrollment ends
January 1 — new coverage generally begins

Official sources used:
CMS
Medicare.gov

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CHAPTERS
00:00 2027 Medicare plans are out
00:49 Change #1 — Medicare Advantage premiums
01:43 Change #2 — MA prescription drug premiums
02:30 Change #3 — Stand-alone Part D premiums
03:23 Change #4 — $700 Part D deductible
04:09 Change #5 — $2,400 Part D out-of-pocket threshold
04:54 Change #6 — Check your ANOC
05:47 Change #7 — October 1 vs October 15
06:41 Why a $0 premium plan can still cost more
07:26 How much Medicare Advantage choice is available?
08:06 Your 7-point Medicare checklist
09:04 Bottom line for 2027