This page collects the 2027 Medicare amounts that CMS and the IRS have officially published, and compares them with 2026. Medicare's costs are federal, so they're the same in Portland, Pendleton, Medford or Burns. For the full set of 2026 amounts, see Medicare costs in Oregon. Jump to: 2026 vs 2027 · Part D · Medicare Advantage · Medigap · Extra Help · IRMAA · Part A and Part B · Help in Oregon
Where things stand on November 13, 2026: CMS has published the 2027 Part D benefit amounts and base beneficiary premium, the Medicare Advantage out-of-pocket limits, the Medigap Plan K, Plan L and high-deductible amounts, and the Extra Help copays. CMS has not yet published the 2027 Part A and Part B premiums and deductibles or the 2027 IRMAA brackets; it does that in its fall fact sheet, "2027 Medicare Parts A & B Premiums and Deductibles," usually in November. We don't estimate them. Extra Help and Medicare Savings Program income limits for 2027 follow the new federal poverty guidelines in early 2027. Check the CMS newsroom for the announcement.
What's changing from 2026 to 2027?
These are the 2027 amounts published so far, next to the 2026 amounts they replace.
| Amount | 2026 | 2027 | Change |
|---|---|---|---|
| Part D out-of-pocket cap | $2,100 | $2,400 | +$300 |
| Highest Part D deductible a plan can charge | $615 | $700 | +$85 |
| Part D national base beneficiary premium (monthly) | $38.99 | $41.33 | +$2.34 |
| Insulin, per month's supply of each covered insulin | $35 | $35 | No change |
| Medicare Advantage in-network out-of-pocket limit (highest allowed) | $9,250 | $9,850 | +$600 |
| Medicare Advantage PPO combined limit (highest allowed) | $13,900 | $14,800 | +$900 |
| Medigap high-deductible Plan G and Plan F deductible | $2,950 | $3,050 | +$100 |
| Medigap Plan K out-of-pocket limit | $8,000 | $8,360 | +$360 |
| Medigap Plan L out-of-pocket limit | $4,000 | $4,180 | +$180 |
| Part B standard premium, Part B deductible, Part A deductible | See 2026 costs | Not yet published by CMS | — |
| IRMAA brackets and amounts | See 2026 costs | Not yet published by CMS | — |
The Part B coinsurance (20% of the Medicare-approved amount for most services) and the Part B late penalty (10% of the standard premium for each full 12 months you delayed) are set by law and don't change in 2027.
How much will Part D drugs cost in 2027?
| Part D amount | 2027 |
|---|---|
| Yearly cap on your out-of-pocket costs for covered drugs | $2,400 |
| Highest yearly deductible a plan can charge | $700 |
| Most you pay for a month's supply of each covered insulin | $35 |
| National base beneficiary premium (used to figure the late penalty) | $41.33 a month |
The cap and the deductible both rise in 2027 because federal law ties them to growth in Part D drug spending. Once what you pay for covered drugs reaches $2,400, you pay nothing more for covered Part D drugs for the rest of 2027. Each plan sets its own premium and can have a lower deductible or none. You can spread what you owe over the year in monthly payments with the Medicare Prescription Payment Plan.
The Part D late enrollment penalty is 1% of the national base beneficiary premium for each full month you went without Part D or other creditable drug coverage, so the penalty rises when that premium rises. Oregon and Washington share Part D region 30, and for 2027 CMS lists 8 standalone Part D plans in Oregon. Estimate a penalty with the Part D late penalty calculator (it uses 2026 amounts), and read more on Part D in Oregon.
Tip: Plans change their drug lists, pharmacy networks and costs each year, so read your plan's Annual Notice of Change and check your prescriptions before open enrollment ends on December 7, 2026. See Medicare open enrollment in Oregon.
What are the Medicare Advantage out-of-pocket limits for 2027?
| Medicare Advantage limit | 2027 maximum |
|---|---|
| In-network services (HMO and PPO) | $9,850 |
| In- and out-of-network services combined (PPO) | $14,800 |
These are the highest limits CMS allows for Part A and Part B services in 2027; each plan sets its own limit at or below them and shows it in its Summary of Benefits. The limit resets every January 1. Drug costs count toward the separate Part D cap, and you still pay the Part B premium with a Medicare Advantage plan. Original Medicare has no yearly out-of-pocket limit, which is one reason many people pair it with Medigap.
For 2027, CMS lists 61 Medicare Advantage plans open to everyone in Oregon from 14 companies, plus 26 special needs plans. Grant, Harney, Lake, Umatilla and Union counties have no Medicare Advantage plan open to everyone, and Curry County has only a special needs plan. If your plan is ending, you can choose new coverage through February 28, 2027 (choose by December 31 to avoid a gap), and you can buy certain Medigap policies without health questions within 63 days after your plan coverage ends. See Oregon plans ending in 2027 and Medicare Advantage in Oregon.
Which Medigap amounts change in 2027?
Insurance companies set Medigap premiums, and the Oregon Division of Financial Regulation reviews their rate filings, but CMS sets a few amounts for the standardized plans each year:
| Medigap amount | 2027 |
|---|---|
| High-deductible Plan G deductible (also high-deductible Plan F, for people eligible for Medicare before 2020) | $3,050 |
| Plan K yearly out-of-pocket limit | $8,360 |
| Plan L yearly out-of-pocket limit | $4,180 |
| Plan N copays | Up to $20 for some office visits, up to $50 for emergency room visits that don't lead to admission |
Thinking about changing Medigap plans for 2027? Oregon's birthday rule lets current policyholders switch to a policy with the same or lesser benefits without health questions, from 30 days before to 30 days after their birthday each year (OAR 836-052-0143). Outside that window, your Medigap open enrollment period or a guaranteed-issue situation, a new insurer can usually review your health. See Medigap in Oregon.
What will Extra Help copays be in 2027?
Extra Help (the Part D Low-Income Subsidy) lowers drug plan premiums, deductibles and copays. CMS has set the most people with Extra Help pay per prescription in 2027:
| Most you pay per prescription | Generic, 2026 | Generic, 2027 | Brand name, 2026 | Brand name, 2027 |
|---|---|---|---|---|
| Most people with Extra Help | $5.10 | $5.80 | $12.65 | $14.40 |
| People with full OHP and income at or below 100% of the poverty level | $1.60 | $1.65 | $4.90 | $5.00 |
People with full Medicaid who live in a nursing facility, or who get Medicaid home and community-based services instead, pay nothing for covered Part D drugs. The 2027 Extra Help income and resource limits aren't published yet. See Extra Help in Oregon.
IRMAA in 2027: which income counts?
Higher-income people pay an income-related monthly adjustment amount (IRMAA) on top of the Part B premium and their Part D plan premium. Social Security generally uses your modified adjusted gross income (MAGI) from two years earlier, so 2027 IRMAA is based on your 2025 federal tax return. Your Oregon state income tax return plays no part. The brackets are cliffs: a single dollar over a threshold moves you into the whole higher amount. A one-time gain in 2025, such as selling a house, land or timber, counts.
CMS hasn't published the 2027 IRMAA brackets or amounts yet; they come with the Part B premium announcement. For comparison, in 2026 IRMAA started above $109,000 of MAGI for a single filer and $218,000 for a married couple filing jointly. The IRMAA bracket finder uses the 2026 brackets until the 2027 ones are official.
Tip: If your income dropped after 2025 because you retired, cut back on work, lost a pension or your spouse died, you can ask Social Security to use a more recent year with Form SSA-44.
Part A and Part B in 2027: not published yet
The 2027 Part B standard premium and deductible, the Part A hospital deductible and coinsurance, and the Part A premium for people without enough work history all come from one CMS fact sheet, usually released in November, which takes effect January 1. As of November 13, 2026, CMS had not published it, and we don't estimate these amounts. If you get Social Security, your notice for 2027 will show the new Part B premium and your cost-of-living adjustment together.
Until then, the latest official amounts are for 2026: a standard Part B premium of $202.90 a month, a Part B deductible of $283 and a Part A deductible of $1,736 per benefit period. See CMS's 2026 Parts A and B fact sheet and Medicare costs in Oregon.
Still working at 65? HSA limits for 2027
If you're delaying Medicare because you have a high-deductible plan through current work, the IRS limits for 2027 are $4,500 for self-only coverage and $9,000 for family coverage, plus a $1,000 catch-up for people 55 and older. Once you're enrolled in any part of Medicare, you can't contribute to an HSA. Part A can start up to 6 months before the month you sign up (but not before you turn 65), so many people stop contributions 6 months before they enroll. See HSAs and Medicare in Oregon.
Where can Oregonians get help paying Medicare costs in 2027?
- Medicare Savings Programs (ODHS): QMB, SMB (federally SLMB) and SMF (federally QI) pay the Part B premium, and QMB also pays Part A and Part B deductibles and coinsurance. Oregon has no asset limit for these programs. ODHS updates its income limits each March. See Medicare Savings Programs in Oregon.
- The Oregon Health Plan: if you qualify for OHP with Medicare, OHP can help with Medicare premiums, deductibles and coinsurance. See the Oregon Health Plan and Medicare.
- Extra Help: lowers Part D premiums, deductibles and copays, and comes automatically with a Medicare Savings Program, OHP or SSI. Others apply through Social Security.
- PERS retirees: the RHIA subsidy helps eligible Tier One and Tier Two retirees with Part A and Part B pay for a PERS-sponsored Medicare plan. See PEBB, OEBB and PERS vs. individual Medicare plans.
- A licensed insurance agent: to see how 2027 plans from the companies they work with handle these costs, at no cost to you, you can request a call from a licensed insurance agent.
Check where you might qualify with the Extra Help eligibility estimator. To review 2027 coverage, see plans for your ZIP code.
Sources
- CMS — CY 2027 Rate Announcement, April 6, 2026 (Attachment V: Part D benefit parameters and Extra Help copays)
- CMS — CY 2027 Part D national average monthly bid amount and base beneficiary premium, July 28, 2026
- CMS — Final Contract Year 2027 Standards for Part C Benefits, Bid Review and Evaluation, April 22, 2026 (Table 3, MOOP limits)
- CMS — Deductible for Medigap high-deductible options F, G and J for 2027
- CMS — Out-of-pocket limits for Medigap Plans K and L for 2027
- CMS — 2026 Medicare Parts A & B premiums and deductibles (latest published Part A, Part B and IRMAA amounts)
- CMS — Newsroom (where the 2027 Parts A & B fact sheet will appear)
- Social Security POMS HI 01101.010 — Income-related monthly adjustment amount (tax year used)
- IRS — Rev. Proc. 2026-24, 2027 HSA inflation-adjusted amounts
- CMS — CY2027 Medicare Advantage and Part D Landscape files (Oregon plan counts)
- Oregon Department of Human Services — Medicare Savings Programs
- Oregon Health Authority — OHP and Medicare
- Or. Admin. Code § 459-035-0030, RHIA eligibility (via oregon.public.law)
- Or. Admin. Code § 836-052-0143, birthday rule (via Cornell LII)
Frequently asked questions
What is the Part D out-of-pocket cap for 2027?
$2,400. Once your out-of-pocket costs for covered Part D drugs reach that amount in 2027, you pay nothing more for covered drugs for the rest of the year. The cap was $2,100 in 2026, and the most a plan can charge as a deductible rises from $615 to $700.
What is the 2027 Part B premium?
CMS hasn't published it yet. It announces the next year's Part A and Part B premiums and deductibles each fall, usually in November, together with the IRMAA brackets; the 2026 amounts came out in mid-November 2025. Until then, the 2026 standard Part B premium of $202.90 a month is the latest official amount.
What income is used for IRMAA in 2027?
Social Security generally uses the modified adjusted gross income on your 2025 federal tax return. Your Oregon state return isn't used. If your income has dropped since 2025 because of retirement or another life-changing event, you can ask Social Security to use a more recent year with Form SSA-44.
How high can a Medicare Advantage plan's out-of-pocket limit be in 2027?
Up to $9,850 for in-network Part A and Part B services, up from $9,250 in 2026. For PPO plans, the limit for in-network and out-of-network services combined can be up to $14,800. Each plan sets its own limit at or below these amounts.
Can I get help paying Medicare costs in Oregon in 2027?
Yes. Oregon's Medicare Savings Programs, run by the Oregon Department of Human Services, pay the Part B premium for people with income up to 135% of the federal poverty level, and Oregon has no asset limit for them. Anyone approved also gets Extra Help with Part D drug costs automatically. Apply at one.oregon.gov or call 1-800-699-9075.
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