Medicare Advantage costs and limits for 2027
In 2027 no Medicare Advantage plan may set an in-network out-of-pocket limit above $9,850 ($9,250 in 2026), or a combined in- and out-of-network limit above $14,800, according to the CMS limit calculations for 2027. The median in-network out-of-pocket limit of Medicare Advantage plans open to everyone rises from $5,900 in 2026 to $6,550 in 2027; the median premium stays $0. Stand-alone drug plans carry a median deductible of $700 ($615 in 2026).
How do costs move from 2026 to 2027?
| Plans open to everyone | 2026 | 2027 | Change |
|---|---|---|---|
| Median out-of-pocket limit | $5,900 | $6,550 | ▲up $650 |
| 25th percentile limit | $4,200 | $4,500 | ▲up $300 |
| 75th percentile limit | $6,750 | $7,150 | ▲up $400 |
| Median monthly premium | $0 | $0 | no change |
| Median drug-plan deductible | $615 | $700 | ▲up $85 |
| Highest in-network limit CMS allows | $9,250 | $9,850 | ▲up $600 |
| Yearly cap on Part D drug costs (every plan) | $2,100 | $2,400 | ▲up $300 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS CY 2027 MOOP and Cost Sharing Limit Calculations (Medicare Advantage Rates and Statistics, read Oct. 7, 2026); CMS Announcement of calendar year 2027 Medicare Advantage and Part D payment policies (April 2026).
Where do the 2027 limits fall?
The 3,219 plans open to everyone (no special needs plans) that file an in-network out-of-pocket limit, 2027
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
What else should you check?
- $0-premium plansAnd their limits
- Part D for 2027Drug plan premiums and deductibles