The Part D Coverage Gap and the Out-of-Pocket Cap

A guide to how Part D cost phases work and how the annual out-of-pocket cap applies. This guide is in preparation.

Browse the plan data this guide relates to: Medicare plans for 2027 · Florida · Georgia · Texas.

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.