Medicare Costs in 2027: Premiums, Deductibles and Part D

Let's set the stage

When people ask me what Medicare costs, the honest answer is "it depends on which pieces you pick." Original Medicare has fixed federal numbers that CMS sets every year. On top of that you choose either a Medicare Supplement plus a drug plan, or a Medicare Advantage plan, and those prices come from the insurance companies. This page gives you the 2027 federal numbers that are already set, flags the ones CMS has not published yet, and then shows what 2027 plans cost in Utah.

2027 Medicare costs at a glance

Some 2027 numbers are final and some are not out yet. CMS sets the Part D limits in the spring, but it publishes the Part A and Part B amounts and the income-related amounts (IRMAA) in November. We will not guess at those. Until they publish, the 2026 amounts are shown only as last year's comparison.

Sources: CMS CY 2027 Rate Announcement, April 6, 2026 (Part D deductible and cap); CMS Part D 2027 national average monthly bid amount fact sheet, July 28, 2026 (base beneficiary premium); CMS 2026 Medicare Parts A and B premiums and deductibles fact sheet, November 14, 2025 (2026 comparison column).

Part A in 2027

Part A is hospital insurance. About 99% of people pay no Part A premium because they or a spouse worked and paid Medicare taxes for at least 40 quarters (about 10 years), according to CMS. That does not change in 2027.

The 2027 Part A deductible and daily coinsurance amounts are pending; CMS publishes them in November. Last year's deductible was $1,736 per benefit period. Here's the thing about that deductible. It is per benefit period, not per year. A benefit period ends after you have been out of the hospital or skilled nursing facility for 60 days in a row. Two separate hospital stays in one year can mean two deductibles.

Part B in 2027

Part B covers doctors, outpatient care, lab work, imaging and durable medical equipment. The 2027 standard premium and deductible are pending; CMS publishes them in November. For comparison, the 2026 standard premium was $202.90 a month and the deductible was $283. After the deductible you generally pay 20% of the Medicare-approved amount, and Original Medicare has no yearly cap on that 20%.

Higher income means a higher Part B premium (IRMAA)

If your income from two years earlier is above certain levels, you pay an income-related monthly adjustment amount on top of the standard premium. For 2027 premiums, Social Security looks at your 2025 tax return. The 2027 income brackets and amounts are pending; CMS publishes them in November. Here is how the brackets worked for 2026, so you can see the shape of it.

Source: CMS 2026 fact sheet. Part D has its own income adjustment that is added to your drug plan premium. If your income dropped because you retired, Social Security lets you ask for a new determination with form SSA-44.

2027 Part D numbers

Drug plans set their own premiums, but CMS sets the outer limits of the standard benefit, and the 2027 limits are final.

Sources: CMS CY 2027 Rate Announcement, April 6, 2026; Medicare.gov Part D costs. Premiums do not count toward the cap.

What we know and do not know about 2027 yet

• Known: the Part D deductible of up to $700, the $2,400 out-of-pocket cap and the $41.33 base beneficiary premium.
• Known: every Utah Medicare Advantage and Part D plan's 2027 premium, drug deductible and in-network out-of-pocket maximum, from the CMS CY2027 landscape file.
• Pending: the 2027 Part B premium and deductible, the 2027 Part A premiums, deductible and coinsurance, and the 2027 IRMAA brackets. CMS publishes these in November. We will not guess, and we will update this page the day CMS publishes them.

What plans cost in Utah for 2027

From the CMS CY2027 landscape file for Utah:

• 33 Medicare Advantage plans (not counting special needs plans) are offered somewhere in the state, and 18 of them have a $0 monthly plan premium. How many you can pick from depends on your county: Salt Lake, Utah and Davis counties each have 28, while some rural counties have 6 or fewer.
• In-network out-of-pocket maximums on those plans range from $4,700 to $9,850 for the year.
• 8 stand-alone Part D plans are offered statewide, from 4 companies, with monthly premiums from $5.30 to $238.

A $0 premium Medicare Advantage plan does not mean $0 cost. You still pay your Part B premium, plus copays and coinsurance up to the plan's maximum. Medicare Supplement premiums are set by each company based on your age, ZIP code and plan letter, so we quote those one person at a time.

Two ways to put it together

Neither one is right for everybody. A person who travels, sees specialists often or wants predictable bills tends to lean toward a Medigap plan. A person who is healthy, stays local and wants a low monthly cost often leans toward Medicare Advantage. We walk through both with your doctors and drugs before you decide.

Your 2027 baseline

Before you pick any plan, everyone with Part B pays the standard Part B premium and deductible. Both are pending for 2027 until CMS publishes them in November, so we cannot give you an honest 2027 total yet. For comparison, last year's floor for someone with premium-free Part A and the standard Part B premium was:

Everything else, Medigap premiums, drug plan premiums or Medicare Advantage copays, is added on top. We will fill in the 2027 column the day CMS publishes it.

2027 Medicare Advantage by county

How much protection and how much choice you get from Medicare Advantage depends on where you live in Utah. Plans counted here exclude special needs plans.

Source: CMS CY2027 Medicare Advantage and Prescription Drug Plan Landscape, Utah rows.

How to read the out-of-pocket maximum

The out-of-pocket maximum is the most you pay in a year for covered in-network medical care in a Medicare Advantage plan. It does not include your Part B premium, the plan premium, or Part D drug costs, which have their own $2,400 cap in 2027. Here's the thing: a $0 premium plan with a $9,850 maximum and a plan with a premium and a $4,700 maximum can cost very different amounts in a bad health year. If you have a surgery planned or a chronic condition, the maximum matters more than the premium.

Help if money is tight

If your income and resources are limited, Utah's Medicare Savings Programs can pay your Part B premium, and Extra Help lowers Part D costs. See Medicare vs Medicaid for how those programs work in Utah, or call us and we will check what you qualify for.

Updated October 26, 2026 by the Everything Senior Insurance Data Desk.