Medicare Part D Enrollment — 2027

The main Part D enrollment window for 2027 coverage is open now, through December 7, 2026 (42 days remain).

You can join a Part D prescription drug plan during your Initial Enrollment Period, the fall Annual Election Period, or a Special Enrollment Period. Part D is optional, but delaying it without other creditable drug coverage builds a late-enrollment penalty: 1% of the national base beneficiary premium for each full month you were eligible but not enrolled, added to your premium for as long as you have Part D.

People who qualify for Extra Help pay reduced Part D costs and can change Part D plans outside the fall window. Stand-alone Part D plans for each state are listed on the state hubs: Florida, Georgia, Texas.

Related: Medicare enrollment periods and deadlines covers every yearly enrollment window, including the Part D deadlines, and Medicare Special Enrollment Periods covers changes outside those windows, including for D-SNP members.

Frequently asked questions

How is the Part D late-enrollment penalty calculated?

The penalty is 1% of the national base beneficiary premium for each full month you were eligible for Part D but not enrolled without creditable coverage, added to your premium for as long as you have Part D.

Can I change my Part D plan outside the fall window?

Yes, if you have a Special Enrollment Period, for example qualifying for Extra Help or Medicaid, moving, or losing creditable coverage.

Researched and reviewed by Jordan Diaz, Licensed Insurance Agent, NPN 18910035, Senior Benefit Assistance. This page does not display plan data; the plan figures elsewhere in this section come from CMS’s published CY2027 Landscape Source File, data as of October 18, 2026. Last reviewed: October 26, 2026.