Plan Year 2027 · Vancouver, WA & Clark County
Medicare in 2027: What Changes for Clark County Seniors
The Part D deductible rises to $700 and the out-of-pocket cap rises to $2,400. Annual Enrollment runs October 15 through December 7, 2026. Here is what that means for your costs.
đź“… Book in 30 secondsThe short answer
For 2027, Medicare’s standard Part D deductible increases to $700 (from $615) and the annual out-of-pocket cap on covered prescriptions increases to $2,400 (from $2,100). The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026, and new coverage starts January 1, 2027. The 2027 Part B premium had not been announced as of August 7, 2026.
What are the 2027 Medicare cost changes?
CMS finalized the 2027 Part D parameters in the Contract Year 2027 Rate Announcement released April 6, 2026. These are program-wide figures set by Medicare, not the terms of any one plan.
| Medicare cost | 2026 | 2027 | Change |
|---|---|---|---|
| Part D standard deductible | $615 | $700 | +$85 |
| Part D out-of-pocket cap | $2,100 | $2,400 | +$300 |
| Part B standard premium | $202.90 | Announced by CMS in November 2026 | Not yet final |
| Part B annual deductible | $283 | Announced by CMS in November 2026 | Not yet final |
Source: CMS Contract Year 2027 Rate Announcement (April 6, 2026) and finalized CY2027 Part D parameters. Part B figures for 2027 are announced by CMS in November and will be added here once published. Last verified August 7, 2026.
When is the 2027 Annual Enrollment Period?
October 15 through December 7, 2026. Anything you choose in that window takes effect January 1, 2027. Here is the full runway from where we are now.
By September 30, 2026
Your ANOC letter arrives
Your plan mails an Annual Notice of Change listing every 2027 change to your costs, drug formulary, and provider network. This is the single most important piece of mail you will get all year. Keep it.
October 1, 2026
2027 plan details become public
Carriers and licensed agents may begin discussing specific 2027 plan benefits and premiums. Before this date, no agent may legally quote you 2027 plan specifics.
October 15, 2026
Annual Enrollment opens
You may switch Medicare Advantage plans, change Part D plans, or move between Original Medicare and Medicare Advantage.
December 7, 2026
Annual Enrollment closes
The last day to make a change for January 1 coverage. Missing this date generally locks in your plan for the year unless you qualify for a Special Enrollment Period.
January 1 – March 31, 2027
Medicare Advantage Open Enrollment
If you are enrolled in a Medicare Advantage plan, you get one chance to switch to a different Advantage plan or return to Original Medicare with a Part D plan.
What should Vancouver and Clark County seniors watch in 2027?
National cost numbers are only half the picture. What usually changes a Clark County resident’s coverage is local: which health systems stay in network, which clinics are accepting new Medicare patients, and whether your prescriptions moved to a different pricing tier.
- →Provider networks. Confirm your primary care provider and specialists are in network for 2027 before you enroll, not after. Network lists are finalized for the plan year.
- →Your drug list. A plan that covered your medication in 2026 may move it to a higher tier or drop it in 2027. With the deductible rising to $700, formulary placement matters more than it did last year.
- →Crossing into Oregon. Many Clark County residents use Portland-area providers. If that is you, verify the plan covers care across the river the way you actually use it.
For background on how Medicare works before you get into 2027 specifics, start with Medicare 101, compare Medicare Advantage against Medicare Supplement, or review Part D drug coverage. If you want last year’s baseline, see Medicare 2026 changes.
Medicare 2027 questions, answered
What is the Medicare Part D out-of-pocket cap for 2027?+
The Medicare Part D annual out-of-pocket cap is $2,400 in 2027, up from $2,100 in 2026. Once your covered prescription costs reach $2,400, you pay nothing more for covered drugs for the rest of the calendar year. Everything you pay toward the deductible counts toward that cap.
What is the Medicare Part D deductible for 2027?+
The standard Medicare Part D deductible is $700 in 2027, up from $615 in 2026. This is the maximum standard deductible a Part D plan may charge. Individual plans may set a lower deductible or none at all.
When is Medicare Annual Enrollment for 2027?+
The Medicare Annual Enrollment Period for 2027 coverage runs October 15, 2026 through December 7, 2026. Coverage you choose during AEP begins January 1, 2027. Licensed agents may begin discussing specific 2027 plans on October 1, 2026.
How much is the Medicare Part B premium in 2027?+
CMS had not announced the 2027 standard Part B premium as of August 2026. Part B premiums for the following year are typically announced in November. The 2026 standard premium is $202.90 per month with a $283 annual deductible.
Do I need to do anything if I like my current Medicare plan?+
Review your Annual Notice of Change letter, which arrives by the end of September 2026. It lists exactly what is changing on your current plan for 2027, including costs, the drug formulary, and the provider network. Plans change every year even when you do nothing, so a plan that fit you in 2026 may not fit in 2027.
Where can I get help comparing Medicare plans in Vancouver, WA?+
Timothy Jones is a licensed independent Medicare agent based at 1101 SE Tech Center Dr #140 in Vancouver, WA, serving Clark County and Southwest Washington. There is no cost to you for a plan review. Call (360) 472-4261 to schedule.
Get your 2027 plan reviewed before December 7
Timothy Jones is a licensed independent Medicare agent in Vancouver, WA. Plan reviews are no cost to you. October fills up fast, so scheduling early is worth it.
đź“… Book in 30 secondsOr call (360) 472-4261
Disclaimer: American Senior Choices is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 11 organizations which offer 70 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.