2027 Medicare Changes: Part B Premium, Deductible and New Costs

The most important 2027 Medicare changes include projected increases in the standard Medicare Part B premium and deductible, higher projected Part A hospital costs, and finalized increases in the Medicare Part D deductible and annual out-of-pocket threshold.

Medicare’s final 2027 Part A and Part B amounts have not yet been announced. The figures currently available come from the official 2026 Medicare Trustees Report and are projections—not final 2027 costs.

The Part D maximum deductible and out-of-pocket threshold have already been finalized for 2027. Medicare beneficiaries should understand which amounts are confirmed and which may still change before planning their coverage and healthcare budgets.

Important: Some 2027 Medicare Costs Are Still Projections

The projected 2027 Part A and Part B amounts on this page come from the official 2026 Medicare Trustees Report. CMS has not yet announced the final 2027 Part B premium, Part B deductible or Part A cost-sharing amounts.

This page will be updated when CMS releases the final figures. The 2027 Part D maximum deductible and out-of-pocket threshold shown below have already been finalized.

2026 vs 2027 Medicare Costs at a Glance

The projected Part B premium would increase by approximately 3.3 percent. The projected Part B deductible would increase by approximately 3.2 percent.

What Is the Projected 2027 Medicare Part B Premium?

The 2026 Medicare Trustees Report projects a standard 2027 Medicare Part B premium of $209.50 per month.

The standard premium is $202.90 per month in 2026. If the projection becomes final, the monthly increase would be $6.60, or $79.20 over a full year.

The $209.50 figure is not yet the final 2027 premium. CMS establishes the official Part B premium each fall after considering updated program costs, enrollment and financial information.

Some beneficiaries pay more than the standard premium because of the Income-Related Monthly Adjustment Amount, commonly called IRMAA. Other beneficiaries may be affected by Medicare’s hold-harmless provision.

What Is the Projected 2027 Medicare Part B Deductible?

The Medicare Trustees project a $292 annual Part B deductible for 2027.

The 2026 Part B deductible is $283. If the projection becomes final, the deductible would increase by $9.

The Part B deductible is paid once per calendar year before Medicare begins paying its share of most Part B-covered services.

Medicare Supplement Plans G and N do not cover the annual Part B deductible for people who became eligible for Medicare on or after January 1, 2020.

After the deductible has been satisfied, Original Medicare generally pays 80 percent of the Medicare-approved amount for covered Part B services. The beneficiary or supplemental coverage is responsible for the remaining amount.

How the 2027 Part B Changes Affect Plan G and Plan N

People with Medicare Supplement Plan G or Plan N remain responsible for the annual Part B deductible. Therefore, any increase from $283 to the projected $292 would increase their direct annual cost by $9.

After the deductible is satisfied, Plan G generally pays the remaining Medicare-approved Part B coinsurance.

Plan N generally pays the Part B coinsurance except for a copayment of up to $20 for certain office visits and up to $50 for an emergency-room visit that does not result in an inpatient admission.

Plan N does not cover Medicare Part B excess charges. Pennsylvania prohibits those charges for Medicare-covered services received within the state.

The projected increase in the Part B deductible does not change the standardized benefits provided by Plan G or Plan N.

What Are the Projected 2027 Medicare Part A Costs?

Most Medicare beneficiaries do not pay a monthly Part A premium because they or a spouse paid Medicare taxes for the required period. However, Part A includes deductibles and coinsurance when hospital or skilled-nursing facility care is received.

The Medicare Trustees currently project the following 2027 Part A costs:

• A $1,788 inpatient hospital deductible for each benefit period
• $447 per day for hospital days 61 through 90
• $894 per lifetime reserve day
• $223.50 per day for skilled-nursing facility days 21 through 100

These figures remain projections until CMS publishes the final 2027 Part A amounts.

Medicare Supplement Plans G and N generally cover the Part A hospital deductible, hospital coinsurance and skilled-nursing facility coinsurance according to their standardized benefits.

What Is Changing With Medicare Part D in 2027?

Two important Part D amounts have already been finalized for 2027.

The Maximum Part D Deductible Increases to $700

The maximum deductible permitted for a standard Medicare Part D plan increases from $615 in 2026 to $700 in 2027.

This does not mean every Part D plan will charge the full $700 deductible. Plans can use a lower deductible or apply the deductible only to particular drug tiers.

The Part D Out-of-Pocket Threshold Increases to $2,400

The annual Part D out-of-pocket threshold increases from $2,100 in 2026 to $2,400 in 2027.

After an enrollee reaches the applicable out-of-pocket threshold, the enrollee generally pays no additional cost sharing for covered Part D drugs for the remainder of the calendar year.

The threshold does not include every amount paid for prescriptions. Premiums, non-covered drugs and amounts paid outside the plan generally do not count toward the threshold.

Is the Part D Coverage Gap Returning in 2027?

No. The former Part D coverage-gap phase, commonly called the donut hole, was eliminated beginning in 2025.

CMS’s Contract Year 2027 Medicare Advantage and Part D final rule codifies the redesigned Part D structure for 2027 and future years. This includes the reduced annual out-of-pocket threshold, no enrollee cost sharing in the catastrophic phase and the Manufacturer Discount Program.

These provisions continue the redesigned Part D benefit rather than bringing back the former coverage gap.

Will Medicare Advantage Plans Change in 2027?

Individual Medicare Advantage plans can change their premiums, provider networks, drug formularies, copayments, prior-authorization requirements and supplemental benefits each year.

CMS has also finalized changes affecting Medicare Advantage and Part D Star Ratings for 2027. These changes include removing certain administrative measures and continuing the historical reward factor rather than implementing the previously developed health-equity reward.

Beneficiaries should review the Annual Notice of Change sent by their plan before the annual Medicare enrollment period. A plan that works well in 2026 should not automatically be assumed to remain unchanged in 2027.

When Will the Final 2027 Medicare Part B Costs Be Announced?

CMS normally announces the final Medicare Part A and Part B premiums, deductibles and coinsurance amounts in the fall before the new calendar year begins.

Until that announcement is published, the $209.50 Part B premium and $292 Part B deductible should be described as official Trustees’ projections—not final Medicare amounts.

This page will be updated when CMS releases the final figures.

Questions About Your 2027 Medicare Costs?

The DeAngelis Agency can help explain how changes in Medicare premiums and deductibles may affect your Medicare Supplement coverage.

Call or text The DeAngelis Agency at 215-967-8828.

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Frequently Asked Questions

What will the Medicare Part B premium be in 2027?

The 2026 Medicare Trustees Report projects a standard 2027 Part B premium of $209.50 per month. CMS has not yet announced the final amount.

What will the Medicare Part B deductible be in 2027?

The Trustees currently project a $292 annual Part B deductible for 2027. The final deductible has not yet been announced.

How much is the Medicare Part B premium in 2026?

The standard Medicare Part B premium is $202.90 per month in 2026. Higher-income beneficiaries may pay more.

How much is the Medicare Part B deductible in 2026?

The annual Medicare Part B deductible is $283 in 2026.

What is the 2027 Medicare Part D deductible?

The maximum Part D deductible is $700 in 2027. An individual plan may use a lower deductible.

What is the 2027 Part D out-of-pocket limit?

The 2027 Part D out-of-pocket threshold is $2,400. Premiums and non-covered drugs generally do not count toward that amount.

Will Plan G cover the 2027 Part B deductible?

Plan G does not cover the annual Part B deductible for people who became eligible for Medicare on or after January 1, 2020.

Will Plan N cover the 2027 Part B deductible?

No. Medicare Supplement Plan N does not cover the annual Medicare Part B deductible.

Are the 2027 Medicare Part A and Part B figures final?

No. The Part A and Part B amounts currently available are projections from the 2026 Medicare Trustees Report. CMS will announce the final amounts later.

Related Medicare Topics

• Estimate Your Medicare Costs
• Medicare Supplement Plan G
• Medicare Supplement Plan N
• Plan G vs Plan N in Pennsylvania
• Best Medicare Supplement Plans in Pennsylvania

Related Local Pages

• Best Medicare Broker in Bucks County, PA
• Best Medicare Broker in Montgomery County, PA
• Best Medicare Broker in Philadelphia County, PA
• Best Medicare Broker in Chester County, PA

Official Medicare Sources

• 2026 Medicare Trustees Report
• Medicare.gov Medicare Costs
• CMS 2027 Medicare Advantage and Part D Final Rule

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