{"content_id":"nrz6hbiruz","slug":"medicare-2027-coverage-change-enrollment-guide","locale":"en","schema_type":"HowTo","category":"policy_guide","category_name":"Policy Guide","title":"How to Change Medicare Coverage for 2027","summary":"Medicare's annual enrollment and change period for 2027 coverage runs from October 15 through December 7, 2026. Enter your medications and pharmacies in Medicare Plan Finder to compare plans, and check whether the plan you want is accepting applications.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"OnBinder Editorial Team","url":"https://onbinder.com/ko/about"},"key_points":["Check your current coverage type and the notice about 2027 changes.","Have your Medicare card and lists of your medications, pharmacies, and healthcare providers ready.","Compare 2027 costs and coverage in your area with Medicare Plan Finder.","Apply to the plan you want to switch to from October 15 through December 7, 2026.","Keep a record of your submission and confirm that coverage starts on January 1, 2027."],"content_markdown":"Medicare enrollees can prepare for 2027 coverage changes. Use your card and medication list to compare plans in Medicare Plan Finder. The enrollment period runs from October 15 to December 7, 2026.\n\nThe premium projections are based on a CMS announcement dated September 28, 2026.\n\n## Enrollment period and coverage start date\n\nThe annual enrollment period for choosing 2027 coverage is in fall 2026. Start comparing plans in early October. Changes submitted during the annual enrollment period take effect the following year.\n\n| Item | Date | What to do |\n| --- | --- | --- |\n| View 2027 plan information | Starting October 1, 2026 | Compare coverage and costs in your area |\n| Apply to enroll or make changes during annual enrollment | October 15 to December 7, 2026 | Apply for your chosen plan |\n| New coverage starts | January 1, 2027 | Confirm that your new plan's coverage is in effect |\n\nThe [CMS 2027 state-by-state guide](https://www.cms.gov/files/document/2027-medicare-advantage-part-d-landscape-state-state-fact-sheets.pdf) explains when plan information becomes available. The application deadline is based on when the plan receives your request, not when you mail it. Applications sent by mail must also arrive by December 7 in the U.S.\n\n\u003e “the plan must get your enrollment request by December 7”\n\u003e\n\u003e Medicare, Open Enrollment\n\nThis means the plan must receive your enrollment request by December 7. You can confirm this in the [Open Enrollment guide](https://www.medicare.gov/health-drug-plans/open-enrollment).\n\n## Changes available under your current coverage\n\nYour options depend on your current coverage. First, check your insurance card and enrollment records to identify your coverage type. The table below shows options during the regular annual enrollment period.\n\n| Current coverage | Possible change | Conditions to check |\n| --- | --- | --- |\n| Original Medicare | Switch to Medicare Advantage | Enrollment in Part A and Part B, and residence in the plan's service area |\n| Original Medicare with separate Part D | Keep, change, or drop Part D | Coverage for your medications and whether you have other prescription drug insurance |\n| Original Medicare without separate Part D | Enroll in Part D | Enrollment in Part A or Part B |\n| Medicare Advantage | Switch to another Medicare Advantage plan | Whether prescription drugs are included and the rules for using health care providers |\n| Medicare Advantage | Return to Original Medicare | Whether you can enroll in separate Part D coverage and Medigap |\n\nOriginal Medicare is basic coverage through Part A and Part B. Part A is hospital insurance, and Part B is medical insurance. With Medicare Advantage, you receive basic coverage through a private plan. Part D is prescription drug coverage.\n\nYou must live in the new plan's service area. If a plan has special enrollment requirements, check those too. Initial enrollment in Part A and Part B is a separate process from changing plans in the fall.\n\n## Comparing plans and applying through Medicare Plan Finder\n\nAccurate medication and pharmacy information makes cost comparisons useful. Check estimated annual drug costs as well as monthly premiums. You can prepare and apply in this order.\n\n1. **Read your current plan's notice of changes.** The Annual Notice of Change, or ANOC, describes changes for the following year. Mark the 2027 premium and coverage changes. If you did not receive it, request it from your current plan.\n2. **Gather the information you need to compare plans and apply.** Check your Medicare card for your enrollment number and coverage start date. List the names, dosages, quantities, and refill schedules of your medications. Prepare a list of the pharmacies and health care providers you use.\n3. **Compare 2027 plans in your area.** Check the ZIP code and coverage year in Medicare Plan Finder. Enter your medications and pharmacies, then compare costs by plan. Also check whether your health care providers participate in each plan.\n4. **Apply to your chosen plan during the enrollment period.** You can select Enroll for that plan on the comparison screen. For enrollment by phone, contact 1-800-MEDICARE. The phone number is 1-800-633-4227.\n5. **Check your application record and coverage start date.** Save the application confirmation screen or confirmation number. Check that your enrollment confirmation names the plan you chose. Changes made during annual enrollment start on January 1, 2027.\n\nThe role of the ANOC is explained in the [Medicare notice of changes guide](https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/upcoming-plan-changes). You can find online and phone enrollment methods in [Joining a plan](https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan).\n\n### What to check on the comparison screen\n\nEstimated costs for the same medication vary by plan and pharmacy. Compare plans using the same pharmacy. Review medical service costs separately from drug costs.\n\n| Item to check | What to look for |\n| --- | --- |\n| Monthly premium | The monthly payment for the selected 2027 plan |\n| Deductible | The amount you pay before insurance starts paying |\n| Copayment and Coinsurance | Fixed amounts or percentages you pay for care or prescriptions |\n| Prescription drug coverage | Whether medications are covered at the listed names and dosages |\n| Costs by pharmacy | Estimated drug costs at the pharmacy you will use |\n| Estimated annual costs | Which premiums and drug costs are included |\n| Rules for using health care providers | Whether your primary care doctor, specialists, and hospitals participate in the plan |\n| Out-of-pocket limit for medical costs | The coverage and limit under Medicare Advantage |\n\nIf you imported a medication list, compare it with the medications you currently take. A medication prescribed once in the past may still be on the list. This is a step to clean up your entries, not advice to stop or change a medication. See the [CMS guide to adding drugs and pharmacies](https://www.cms.gov/sites/default/files/2021-10/12075-P_AddingDrugsandPharmacies-508%202021%20final.pdf) for instructions.\n\n## Comparing national average premiums with your actual costs\n\nCMS national averages are not the premiums you will be billed. Actual amounts vary by where you live and the plan you choose. The following figures are CMS projections for 2027.\n\n| Measure | 2026 monthly average | Projected 2027 monthly average |\n| --- | --- | --- |\n| Overall weighted average Medicare Advantage premium | 14.37 U.S. dollars | 12.00 U.S. dollars |\n| Average total premium for stand-alone Part D | 35.09 U.S. dollars | 36.00 U.S. dollars |\n| Part D premium portion of Medicare Advantage plans that include drug coverage | 11.32 U.S. dollars | 7.00 U.S. dollars |\n\nThe last row reflects Medicare Advantage rebates. The three rows measure different groups and use different calculations. Do not add them together to estimate your personal monthly premium. The figures come from the [CMS announcement of 2027 premium projections](https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027).\n\n### Applying the figures to your personal budget\n\nUse the actual quote for your chosen plan in your personal budget. Even if you enroll in Medicare Advantage, the Part B premium is a separate item. You may also have out-of-pocket costs when you receive care or fill prescriptions. Check the [Medicare costs guide](https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/what-does-medicare-cost) for the cost structure.\n\n| Budget item | Information to use |\n| --- | --- |\n| Plan premium | The chosen plan's 2027 premium |\n| Part B premium | The official premium notice that applies to you |\n| Prescription drug costs | Estimated costs using your medications and pharmacy |\n| Medical care costs | The plan's out-of-pocket costs for each type of care |\n| Separate supplemental insurance costs | An individual quote for Medigap or other coverage you plan to buy |\n\nDo not add premiums again if they are already included in an annual estimate. Do not treat estimated prescription drug costs as your total medical costs. Your actual spending will also change if the care and prescriptions you need change.\n\n## Employer and retiree insurance and family coverage\n\nIf you have employer or retiree insurance, check your family's coverage before making changes. Enrolling in separate Medicare drug coverage may affect your existing insurance. In some cases, coverage for a spouse or dependents may end too.\n\n1. **Ask your insurance benefits administrator how changes would affect coverage.** Tell them you are considering separate Part D or Medicare Advantage enrollment.\n2. **Check whether each family member's coverage will continue.** Check coverage for your spouse and dependents as well as yourself.\n3. **Keep the notice about whether your prescription drug coverage qualifies.** Check whether your existing insurance is creditable coverage. This means prescription drug coverage that meets Medicare's standards.\n\nIf you have creditable prescription drug coverage, you may not need to enroll in Part D as well. A gap in coverage can lead to a late enrollment penalty later. Discount cards do not replace prescription drug insurance. See the [guide to existing prescription drug coverage](https://www.medicare.gov/health-drug-plans/part-d/basics/creditable-coverage) for details.\n\n## Returning to Original Medicare and Medigap rules\n\nReturning to Original Medicare does not guarantee that you can enroll in Medigap. Medigap is private insurance that supplements the out-of-pocket costs of basic coverage. The fall annual enrollment period is different from the protected Medigap enrollment period.\n\n| Item | Applicable rule |\n| --- | --- |\n| Initial Medigap enrollment protection period under federal rules | 6 months starting with the month Part B begins, if you are at least 65 |\n| After the protected period | Health-based review, denial of enrollment, or different premiums may apply |\n| Separate protected enrollment rights | May apply in certain situations or under state law |\n\nBefore deciding to return, check whether you can enroll in Medigap. You can also check with your state insurance authority for additional protected rights. Consider whether you need separate Part D coverage as well. The rules are explained in the [guide to preparing to buy Medigap](https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy).\n\n## Common mistakes about enrollment periods\n\nThe fall change period and the change period early in the year apply to different people. Do not assume the same options will remain available if you miss the December deadline. Check which period applies to you.\n\n| Common confusion | Correct distinction |\n| --- | --- |\n| Apply in fall 2027 because the coverage is for 2027 | Choose coverage for January 2027 in fall 2026 |\n| Changes can be requested starting October 1 | Plan information becomes available October 1; annual enrollment starts October 15 |\n| All enrollees can freely make changes early in the year | The early-year Medicare Advantage change period is for people already enrolled in Medicare Advantage |\n| Reapply every year to keep the same plan | Reapplication is generally unnecessary if your current coverage continues |\n| Keeping a plan means its coverage stays the same | Premiums, drug coverage, and rules for using services may change the following year |\n\nJanuary 1 to March 31, 2027, is a separate change period. People already enrolled in Medicare Advantage can use it. They can switch to another Medicare Advantage plan or return to Original Medicare. Changes generally take effect on the first day of the month after the request is received.\n\nA move or loss of existing coverage, among other circumstances, may create a special enrollment period. Eligibility and deadlines vary by reason. Check your situation in the [special enrollment periods guide](https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods).","content_html":"\u003cp\u003eMedicare enrollees can prepare for 2027 coverage changes. Use your card and medication list to compare plans in Medicare Plan Finder. The enrollment period runs from October 15 to December 7, 2026.\u003c/p\u003e\n\u003cp\u003eThe premium projections are based on a CMS announcement dated September 28, 2026.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#enrollment-period-and-coverage-start-date\" class=\"anchor\" id=\"enrollment-period-and-coverage-start-date\"\u003e\u003c/a\u003eEnrollment period and coverage start date\u003c/h2\u003e\n\u003cp\u003eThe annual enrollment period for choosing 2027 coverage is in fall 2026. Start comparing plans in early October. Changes submitted during the annual enrollment period take effect the following year.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c/th\u003e\n\u003cth\u003eDate\u003c/th\u003e\n\u003cth\u003eWhat to do\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eView 2027 plan information\u003c/td\u003e\n\u003ctd data-label=\"Date\"\u003eStarting October 1, 2026\u003c/td\u003e\n\u003ctd data-label=\"What to do\"\u003eCompare coverage and costs in your area\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eApply to enroll or make changes during annual enrollment\u003c/td\u003e\n\u003ctd data-label=\"Date\"\u003eOctober 15 to December 7, 2026\u003c/td\u003e\n\u003ctd data-label=\"What to do\"\u003eApply for your chosen plan\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eNew coverage starts\u003c/td\u003e\n\u003ctd data-label=\"Date\"\u003eJanuary 1, 2027\u003c/td\u003e\n\u003ctd data-label=\"What to do\"\u003eConfirm that your new plan's coverage is in effect\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe \u003ca href=\"https://www.cms.gov/files/document/2027-medicare-advantage-part-d-landscape-state-state-fact-sheets.pdf\"\u003eCMS 2027 state-by-state guide\u003c/a\u003e explains when plan information becomes available. The application deadline is based on when the plan receives your request, not when you mail it. Applications sent by mail must also arrive by December 7 in the U.S.\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003e“the plan must get your enrollment request by December 7”\u003c/p\u003e\n\u003cp\u003eMedicare, Open Enrollment\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eThis means the plan must receive your enrollment request by December 7. You can confirm this in the \u003ca href=\"https://www.medicare.gov/health-drug-plans/open-enrollment\"\u003eOpen Enrollment guide\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#changes-available-under-your-current-coverage\" class=\"anchor\" id=\"changes-available-under-your-current-coverage\"\u003e\u003c/a\u003eChanges available under your current coverage\u003c/h2\u003e\n\u003cp\u003eYour options depend on your current coverage. First, check your insurance card and enrollment records to identify your coverage type. The table below shows options during the regular annual enrollment period.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCurrent coverage\u003c/th\u003e\n\u003cth\u003ePossible change\u003c/th\u003e\n\u003cth\u003eConditions to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare\u003c/td\u003e\n\u003ctd data-label=\"Possible change\"\u003eSwitch to Medicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check\"\u003eEnrollment in Part A and Part B, and residence in the plan's service area\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare with separate Part D\u003c/td\u003e\n\u003ctd data-label=\"Possible change\"\u003eKeep, change, or drop Part D\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check\"\u003eCoverage for your medications and whether you have other prescription drug insurance\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eOriginal Medicare without separate Part D\u003c/td\u003e\n\u003ctd data-label=\"Possible change\"\u003eEnroll in Part D\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check\"\u003eEnrollment in Part A or Part B\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eMedicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"Possible change\"\u003eSwitch to another Medicare Advantage plan\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check\"\u003eWhether prescription drugs are included and the rules for using health care providers\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current coverage\"\u003eMedicare Advantage\u003c/td\u003e\n\u003ctd data-label=\"Possible change\"\u003eReturn to Original Medicare\u003c/td\u003e\n\u003ctd data-label=\"Conditions to check\"\u003eWhether you can enroll in separate Part D coverage and Medigap\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eOriginal Medicare is basic coverage through Part A and Part B. Part A is hospital insurance, and Part B is medical insurance. With Medicare Advantage, you receive basic coverage through a private plan. Part D is prescription drug coverage.\u003c/p\u003e\n\u003cp\u003eYou must live in the new plan's service area. If a plan has special enrollment requirements, check those too. Initial enrollment in Part A and Part B is a separate process from changing plans in the fall.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-plans-and-applying-through-medicare-plan-finder\" class=\"anchor\" id=\"comparing-plans-and-applying-through-medicare-plan-finder\"\u003e\u003c/a\u003eComparing plans and applying through Medicare Plan Finder\u003c/h2\u003e\n\u003cp\u003eAccurate medication and pharmacy information makes cost comparisons useful. Check estimated annual drug costs as well as monthly premiums. You can prepare and apply in this order.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eRead your current plan's notice of changes.\u003c/strong\u003e The Annual Notice of Change, or ANOC, describes changes for the following year. Mark the 2027 premium and coverage changes. If you did not receive it, request it from your current plan.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGather the information you need to compare plans and apply.\u003c/strong\u003e Check your Medicare card for your enrollment number and coverage start date. List the names, dosages, quantities, and refill schedules of your medications. Prepare a list of the pharmacies and health care providers you use.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCompare 2027 plans in your area.\u003c/strong\u003e Check the ZIP code and coverage year in Medicare Plan Finder. Enter your medications and pharmacies, then compare costs by plan. Also check whether your health care providers participate in each plan.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eApply to your chosen plan during the enrollment period.\u003c/strong\u003e You can select Enroll for that plan on the comparison screen. For enrollment by phone, contact 1-800-MEDICARE. The phone number is 1-800-633-4227.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck your application record and coverage start date.\u003c/strong\u003e Save the application confirmation screen or confirmation number. Check that your enrollment confirmation names the plan you chose. Changes made during annual enrollment start on January 1, 2027.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThe role of the ANOC is explained in the \u003ca href=\"https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/upcoming-plan-changes\"\u003eMedicare notice of changes guide\u003c/a\u003e. You can find online and phone enrollment methods in \u003ca href=\"https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan\"\u003eJoining a plan\u003c/a\u003e.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#what-to-check-on-the-comparison-screen\" class=\"anchor\" id=\"what-to-check-on-the-comparison-screen\"\u003e\u003c/a\u003eWhat to check on the comparison screen\u003c/h3\u003e\n\u003cp\u003eEstimated costs for the same medication vary by plan and pharmacy. Compare plans using the same pharmacy. Review medical service costs separately from drug costs.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem to check\u003c/th\u003e\n\u003cth\u003eWhat to look for\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eMonthly premium\u003c/td\u003e\n\u003ctd data-label=\"What to look for\"\u003eThe monthly payment for the selected 2027 plan\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eDeductible\u003c/td\u003e\n\u003ctd data-label=\"What to look for\"\u003eThe amount you pay before insurance starts paying\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eCopayment and Coinsurance\u003c/td\u003e\n\u003ctd data-label=\"What to look for\"\u003eFixed amounts or percentages you pay for care or prescriptions\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003ePrescription drug coverage\u003c/td\u003e\n\u003ctd data-label=\"What to look for\"\u003eWhether medications are covered at the listed names and dosages\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eCosts by pharmacy\u003c/td\u003e\n\u003ctd data-label=\"What to look for\"\u003eEstimated drug costs at the pharmacy you will use\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eEstimated annual costs\u003c/td\u003e\n\u003ctd data-label=\"What to look for\"\u003eWhich premiums and drug costs are included\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eRules for using health care providers\u003c/td\u003e\n\u003ctd data-label=\"What to look for\"\u003eWhether your primary care doctor, specialists, and hospitals participate in the plan\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check\"\u003eOut-of-pocket limit for medical costs\u003c/td\u003e\n\u003ctd data-label=\"What to look for\"\u003eThe coverage and limit under Medicare Advantage\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eIf you imported a medication list, compare it with the medications you currently take. A medication prescribed once in the past may still be on the list. This is a step to clean up your entries, not advice to stop or change a medication. See the \u003ca href=\"https://www.cms.gov/sites/default/files/2021-10/12075-P_AddingDrugsandPharmacies-508%202021%20final.pdf\"\u003eCMS guide to adding drugs and pharmacies\u003c/a\u003e for instructions.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-national-average-premiums-with-your-actual-costs\" class=\"anchor\" id=\"comparing-national-average-premiums-with-your-actual-costs\"\u003e\u003c/a\u003eComparing national average premiums with your actual costs\u003c/h2\u003e\n\u003cp\u003eCMS national averages are not the premiums you will be billed. Actual amounts vary by where you live and the plan you choose. The following figures are CMS projections for 2027.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eMeasure\u003c/th\u003e\n\u003cth\u003e2026 monthly average\u003c/th\u003e\n\u003cth\u003eProjected 2027 monthly average\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Measure\"\u003eOverall weighted average Medicare Advantage premium\u003c/td\u003e\n\u003ctd data-label=\"2026 monthly average\"\u003e14.37 U.S. dollars\u003c/td\u003e\n\u003ctd data-label=\"Projected 2027 monthly average\"\u003e12.00 U.S. dollars\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Measure\"\u003eAverage total premium for stand-alone Part D\u003c/td\u003e\n\u003ctd data-label=\"2026 monthly average\"\u003e35.09 U.S. dollars\u003c/td\u003e\n\u003ctd data-label=\"Projected 2027 monthly average\"\u003e36.00 U.S. dollars\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Measure\"\u003ePart D premium portion of Medicare Advantage plans that include drug coverage\u003c/td\u003e\n\u003ctd data-label=\"2026 monthly average\"\u003e11.32 U.S. dollars\u003c/td\u003e\n\u003ctd data-label=\"Projected 2027 monthly average\"\u003e7.00 U.S. dollars\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe last row reflects Medicare Advantage rebates. The three rows measure different groups and use different calculations. Do not add them together to estimate your personal monthly premium. The figures come from the \u003ca href=\"https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027\"\u003eCMS announcement of 2027 premium projections\u003c/a\u003e.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#applying-the-figures-to-your-personal-budget\" class=\"anchor\" id=\"applying-the-figures-to-your-personal-budget\"\u003e\u003c/a\u003eApplying the figures to your personal budget\u003c/h3\u003e\n\u003cp\u003eUse the actual quote for your chosen plan in your personal budget. Even if you enroll in Medicare Advantage, the Part B premium is a separate item. You may also have out-of-pocket costs when you receive care or fill prescriptions. Check the \u003ca href=\"https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/what-does-medicare-cost\"\u003eMedicare costs guide\u003c/a\u003e for the cost structure.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eBudget item\u003c/th\u003e\n\u003cth\u003eInformation to use\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Budget item\"\u003ePlan premium\u003c/td\u003e\n\u003ctd data-label=\"Information to use\"\u003eThe chosen plan's 2027 premium\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Budget item\"\u003ePart B premium\u003c/td\u003e\n\u003ctd data-label=\"Information to use\"\u003eThe official premium notice that applies to you\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Budget item\"\u003ePrescription drug costs\u003c/td\u003e\n\u003ctd data-label=\"Information to use\"\u003eEstimated costs using your medications and pharmacy\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Budget item\"\u003eMedical care costs\u003c/td\u003e\n\u003ctd data-label=\"Information to use\"\u003eThe plan's out-of-pocket costs for each type of care\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Budget item\"\u003eSeparate supplemental insurance costs\u003c/td\u003e\n\u003ctd data-label=\"Information to use\"\u003eAn individual quote for Medigap or other coverage you plan to buy\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eDo not add premiums again if they are already included in an annual estimate. Do not treat estimated prescription drug costs as your total medical costs. Your actual spending will also change if the care and prescriptions you need change.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#employer-and-retiree-insurance-and-family-coverage\" class=\"anchor\" id=\"employer-and-retiree-insurance-and-family-coverage\"\u003e\u003c/a\u003eEmployer and retiree insurance and family coverage\u003c/h2\u003e\n\u003cp\u003eIf you have employer or retiree insurance, check your family's coverage before making changes. Enrolling in separate Medicare drug coverage may affect your existing insurance. In some cases, coverage for a spouse or dependents may end too.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eAsk your insurance benefits administrator how changes would affect coverage.\u003c/strong\u003e Tell them you are considering separate Part D or Medicare Advantage enrollment.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCheck whether each family member's coverage will continue.\u003c/strong\u003e Check coverage for your spouse and dependents as well as yourself.\u003c/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eKeep the notice about whether your prescription drug coverage qualifies.\u003c/strong\u003e Check whether your existing insurance is creditable coverage. This means prescription drug coverage that meets Medicare's standards.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eIf you have creditable prescription drug coverage, you may not need to enroll in Part D as well. A gap in coverage can lead to a late enrollment penalty later. Discount cards do not replace prescription drug insurance. See the \u003ca href=\"https://www.medicare.gov/health-drug-plans/part-d/basics/creditable-coverage\"\u003eguide to existing prescription drug coverage\u003c/a\u003e for details.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#returning-to-original-medicare-and-medigap-rules\" class=\"anchor\" id=\"returning-to-original-medicare-and-medigap-rules\"\u003e\u003c/a\u003eReturning to Original Medicare and Medigap rules\u003c/h2\u003e\n\u003cp\u003eReturning to Original Medicare does not guarantee that you can enroll in Medigap. Medigap is private insurance that supplements the out-of-pocket costs of basic coverage. The fall annual enrollment period is different from the protected Medigap enrollment period.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c/th\u003e\n\u003cth\u003eApplicable rule\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eInitial Medigap enrollment protection period under federal rules\u003c/td\u003e\n\u003ctd data-label=\"Applicable rule\"\u003e6 months starting with the month Part B begins, if you are at least 65\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eAfter the protected period\u003c/td\u003e\n\u003ctd data-label=\"Applicable rule\"\u003eHealth-based review, denial of enrollment, or different premiums may apply\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item\"\u003eSeparate protected enrollment rights\u003c/td\u003e\n\u003ctd data-label=\"Applicable rule\"\u003eMay apply in certain situations or under state law\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eBefore deciding to return, check whether you can enroll in Medigap. You can also check with your state insurance authority for additional protected rights. Consider whether you need separate Part D coverage as well. The rules are explained in the \u003ca href=\"https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy\"\u003eguide to preparing to buy Medigap\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-mistakes-about-enrollment-periods\" class=\"anchor\" id=\"common-mistakes-about-enrollment-periods\"\u003e\u003c/a\u003eCommon mistakes about enrollment periods\u003c/h2\u003e\n\u003cp\u003eThe fall change period and the change period early in the year apply to different people. Do not assume the same options will remain available if you miss the December deadline. Check which period applies to you.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCommon confusion\u003c/th\u003e\n\u003cth\u003eCorrect distinction\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common confusion\"\u003eApply in fall 2027 because the coverage is for 2027\u003c/td\u003e\n\u003ctd data-label=\"Correct distinction\"\u003eChoose coverage for January 2027 in fall 2026\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common confusion\"\u003eChanges can be requested starting October 1\u003c/td\u003e\n\u003ctd data-label=\"Correct distinction\"\u003ePlan information becomes available October 1; annual enrollment starts October 15\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common confusion\"\u003eAll enrollees can freely make changes early in the year\u003c/td\u003e\n\u003ctd data-label=\"Correct distinction\"\u003eThe early-year Medicare Advantage change period is for people already enrolled in Medicare Advantage\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common confusion\"\u003eReapply every year to keep the same plan\u003c/td\u003e\n\u003ctd data-label=\"Correct distinction\"\u003eReapplication is generally unnecessary if your current coverage continues\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common confusion\"\u003eKeeping a plan means its coverage stays the same\u003c/td\u003e\n\u003ctd data-label=\"Correct distinction\"\u003ePremiums, drug coverage, and rules for using services may change the following year\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eJanuary 1 to March 31, 2027, is a separate change period. People already enrolled in Medicare Advantage can use it. They can switch to another Medicare Advantage plan or return to Original Medicare. Changes generally take effect on the first day of the month after the request is received.\u003c/p\u003e\n\u003cp\u003eA move or loss of existing coverage, among other circumstances, may create a special enrollment period. Eligibility and deadlines vary by reason. Check your situation in the \u003ca href=\"https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods\"\u003especial enrollment periods guide\u003c/a\u003e.\u003c/p\u003e\n","tags":["Health insurance","Everyday Finance","Trading Up","health insurance premium"],"faqs":[{"question":"When is the annual enrollment period for 2027 coverage?","answer":"It runs from October 15 to December 7, 2026. The plan must receive your application by December 7. Changes made during this period take effect on January 1, 2027."},{"question":"Can I apply to make changes in early October 2026?","answer":"You can apply during the annual enrollment period starting October 15. You can compare 2027 plan information starting October 1. If you qualify for another enrollment period, check its requirements separately."},{"question":"What should I have ready for Medicare Plan Finder?","answer":"Have your ZIP code and a list of your medications and pharmacies ready. Check the dosages and quantities of your medications, too. When you apply, you will need your Medicare number and coverage start date."},{"question":"Can I compare plans without a Medicare account?","answer":"You can enter your medications and pharmacies to compare plans without logging in. However, you need an account to save the list you enter."},{"question":"Can I keep my current plan?","answer":"If your current coverage continues, you generally do not need to re-enroll. However, check the ANOC for changes in the coming year. Decide whether to keep the plan based on its 2027 terms."},{"question":"Are all 2027 Medicare Advantage premiums $12 per month?","answer":"$12.00 per month is CMS's projected national weighted average. It is not the amount an individual will be billed. Check the plan you choose, any separate premiums, and out-of-pocket terms for your actual costs."},{"question":"Will choosing a plan with a low premium reduce my total costs?","answer":"You cannot tell whether your total costs will decrease from the premium alone. You also need to compare medication costs and out-of-pocket costs for medical care. Check whether you can see the healthcare providers you need."},{"question":"If I return to Original Medicare, can I also enroll in Medigap?","answer":"Eligibility to enroll is not automatic. Check whether you have a Medigap initial enrollment protection period or other protected rights. Ask your state insurance authority about any additional rights under state law."},{"question":"What should I check first if I have employer or retiree insurance?","answer":"First, check how enrolling in a new plan will affect your existing insurance. Coverage for your spouse or dependents may also be affected. Contact your insurance administrator before making changes."},{"question":"If I miss December 7, can I make the same changes in January?","answer":"Not all the same options will be available. The early-year change period is for people already enrolled in Medicare Advantage. A special enrollment period requires a separate qualifying reason."},{"question":"Where can I get help if applying online is difficult?","answer":"You can call 1-800-MEDICARE at 1-800-633-4227. Your local SHIP also offers free, personalized counseling. SHIP is a counseling organization that is not affiliated with insurance companies or plans."}],"sources":[{"url":"https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027","title":"CMS, Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2027, September 28, 2026","type":"data_point"},{"url":"https://www.cms.gov/files/document/2027-medicare-advantage-part-d-landscape-state-state-fact-sheets.pdf","title":"CMS, 2027 Medicare Advantage and Part D State-by-State Guide","type":"source"},{"url":"https://www.medicare.gov/health-drug-plans/open-enrollment","title":"Medicare, Open Enrollment","type":"source"},{"url":"https://www.medicare.gov/plan-compare/","title":"Medicare Plan Finder, Compare plans and enroll","type":"source"},{"url":"https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan","title":"Medicare, Joining a plan","type":"source"},{"url":"https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/upcoming-plan-changes","title":"Medicare, Plan Annual Notice of Change","type":"source"},{"url":"https://www.cms.gov/sites/default/files/2021-10/12075-P_AddingDrugsandPharmacies-508%202021%20final.pdf","title":"CMS, Adding Drugs \u00026 Pharmacies When Shopping for Plans, revised September 2021","type":"source"},{"url":"https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/what-does-medicare-cost","title":"Medicare, What does Medicare cost?","type":"source"},{"url":"https://www.medicare.gov/health-drug-plans/part-d/basics/creditable-coverage","title":"Medicare, Creditable prescription drug coverage","type":"source"},{"url":"https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy","title":"Medicare, Medigap Get ready to buy","type":"source"},{"url":"https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods","title":"Medicare, Special Enrollment Periods","type":"source"}],"images":[{"id":1613,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjQyNjQsInB1ciI6ImJsb2JfaWQifX0=--455d32c4d2245979b5d4bd676dbb0bd6d626fbea/ai-fd4068f8.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"주방 식탁에서 노인이 약병을 옆에 두고 태블릿의 플랜 비교 화면을 살펴본다.","caption":"Medicare Plan Finder에서 복용약과 약국을 입력해 2027년 플랜의 비용과 보장을 비교하세요.","description":null},"en":{"alt":"An older man reviews a plan comparison on a tablet at his kitchen table, with prescription bottles nearby.","caption":"Enter your medications and pharmacy in Medicare Plan Finder to compare 2027 costs and coverage.","description":null},"ja":{"alt":"高齢の男性が台所のテーブルで、薬の容器をそばに置き、タブレットのプラン比較画面を見ている。","caption":"Medicare Plan Finderに服用薬と利用する薬局を入力し、2027年の費用と保障内容を比較しましょう。","description":null},"es":{"alt":"Un hombre mayor consulta una comparación de planes en una tableta, con frascos de medicamentos cerca.","caption":"Ingrese sus medicamentos y farmacia en Medicare Plan Finder para comparar costos y cobertura de 2027.","description":null},"id":{"alt":"Seorang pria lansia meninjau perbandingan paket di tablet, dengan botol obat di dekatnya.","caption":"Masukkan obat dan apotek Anda di Medicare Plan Finder untuk membandingkan biaya dan cakupan tahun 2027.","description":null},"pt":{"alt":"Um homem idoso consulta uma comparação de planos em um tablet, com frascos de remédios por perto.","caption":"Informe seus medicamentos e sua farmácia no Medicare Plan Finder para comparar custos e coberturas de 2027.","description":null},"zh-hant":{"alt":"一名長者坐在廚房餐桌前，查看平板電腦上的方案比較，旁邊放著藥瓶。","caption":"在 Medicare Plan Finder 輸入用藥和藥房，比較 2027 年各方案的費用與保障。","description":null},"de":{"alt":"Ein älterer Mann prüft am Küchentisch einen Tarifvergleich auf dem Tablet; daneben stehen Medikamentenflaschen.","caption":"Geben Sie Ihre Medikamente und Apotheke im Medicare Plan Finder ein, um Kosten und Leistungen für 2027 zu vergleichen.","description":null}}},{"id":1614,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MjQyNzAsInB1ciI6ImJsb2JfaWQifX0=--41aa6b46a19bfe1aa01c27d5e7f6c13b462035a5/ai-1cd0fd68.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"거실에서 여성이 전화 통화를 하고 남편이 곁에서 듣고 있다. 탁자에는 약병과 서류가 놓여 있다.","caption":"플랜을 변경하기 전에 현재 보장 유형과 2027년 변경 안내문을 확인하세요.","description":null},"en":{"alt":"A woman talks on the phone while her husband listens beside her, with pill bottles and a document on the table.","caption":"Before changing plans, check your current coverage and the 2027 change notice.","description":null},"ja":{"alt":"女性が電話で話し、隣で夫が聞いている。テーブルには薬の容器と書類が置かれている。","caption":"プランを変更する前に、現在の保障内容と2027年の変更通知を確認しましょう。","description":null},"es":{"alt":"Una mujer habla por teléfono mientras su esposo escucha a su lado; hay frascos de medicamentos y un documento sobre la mesa.","caption":"Antes de cambiar de plan, revise su cobertura actual y el aviso de cambios para 2027.","description":null},"id":{"alt":"Seorang perempuan berbicara di telepon sementara suaminya menyimak di sampingnya; botol obat dan dokumen ada di meja.","caption":"Sebelum mengganti paket, periksa cakupan saat ini dan pemberitahuan perubahan untuk 2027.","description":null},"pt":{"alt":"Uma mulher fala ao telefone enquanto o marido escuta ao lado; há frascos de remédios e um documento sobre a mesa.","caption":"Antes de mudar de plano, confira sua cobertura atual e o aviso de alterações para 2027.","description":null},"zh-hant":{"alt":"女子在客廳講電話，丈夫坐在旁邊聆聽；桌上放著藥瓶和文件。","caption":"更換計畫前，請確認目前的保障類型及2027年變更通知。","description":null},"de":{"alt":"Eine Frau telefoniert, während ihr Mann neben ihr zuhört; auf dem Tisch liegen Medikamentenfläschchen und ein Dokument.","caption":"Prüfen Sie vor einem Planwechsel Ihren aktuellen Versicherungsschutz und die Änderungsmitteilung für 2027.","description":null}}}],"published_at":"2026-10-03T19:42:17+09:00","updated_at":"2026-10-03T19:42:17+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://onbinder.com/en/articles/medicare-2027-coverage-change-enrollment-guide"}