As of Nov 6, 2026, CMS has not published the official 2027 Medicare Part B premium or deductible. Medicare.gov still lists the 2026 amounts: $202.90 a month and a $283 yearly deductible. The 2026 Medicare Trustees Report estimates about $209.50 and $292 for 2027, but that is only a projection. Do not wait for the final number to finish Open Enrollment. The window ends Dec 7, 2026 (Medicare.gov; 2026 Medicare Trustees Report; CMS Open Enrollment).
Why the number is late this year
Each fall, CMS issues a fact sheet and a Federal Register notice that set the next year’s Part B premium, deductible and income-related surcharges. The notice for 2027 is docket CMS-8094.
On Nov 4, 2026, that notice entered EO 12866 review at the Office of Information and Regulatory Affairs. That means the draft is under White House regulatory review. It is not yet a public CMS fact sheet, and Medicare.gov has not switched to 2027 figures (reginfo.gov).
In recent years the fact sheet often landed in mid to late November. For 2026 costs, CMS posted on Nov 14, 2025. A late announcement is normal. It is not a signal that your coverage stopped.
What you pay today, and the projection only
Until CMS publishes, treat these as the live numbers on Medicare.gov:
- Part B standard premium: $202.90 a month in 2026.
- Part B deductible: $283 a year in 2026.
- Part A hospital deductible: $1,736 per benefit period in 2026.
The Trustees Report says the estimated 2027 monthly Part B premium is $209.50, and its table lists an estimated $292 Part B deductible. That is the best public forecast. It is not the final rate. Final rates can move up or down when CMS finishes the actuarial work (2026 Medicare Trustees Report).
Higher-income people also pay an IRMAA surcharge (Income-Related Monthly Adjustment Amount). The first income line for 2026 is $109,000 for a single filer and $218,000 for a couple filing jointly, based on 2024 tax returns. The 2027 surcharge dollars and most 2027 income lines come out with the same CMS notice. Do not invent brackets from blogs. Wait for CMS, or use our IRMAA guide for how the surcharge and appeals work.
When you will see YOUR premium
Social Security’s Oct 14, 2026 COLA release is clear about timing:
- People with a my Social Security account can see the 2027 premium amount in the Message Center starting in late November.
- People who do not use paperless notices get the COLA letter by mail in December.
- To see the COLA notice online, SSA said to create an account and enroll in paperless notices by Nov 18 (SSA press release).
That Message Center figure is your personal amount. It may be the standard premium, or a higher IRMAA amount, plus any Part D IRMAA if you have a drug plan. It is not the same as the national CMS press release, though both should match once CMS has published.
Our 2027 COLA guide walks through the 3.6% raise and how Part B comes out of the check.
Do not pause Open Enrollment for this
Medicare Open Enrollment runs Oct 15 through Dec 7, 2026. A change filed by Dec 7 starts Jan 1, 2027 (CMS).
The Part B premium is only one piece. Waiting for it can cost you more if your plan is changing drug lists, doctor networks, prior auth rules, givebacks or Extra Help status. Compare those items now:
- Read your Annual Notice of Change and Evidence of Coverage.
- Check every drug and pharmacy on Medicare Plan Finder.
- Confirm your doctors and hospitals are still in network for 2027. Our provider directory guide shows how to verify.
- If you get Extra Help, watch for tan or blue letters. Our colored letters guide explains each one.
- Watch for scam calls that claim they “already know” your new premium. Medicare will not cold-call you for personal data. See our Open Enrollment scams checklist.
If you like your plan and it is still offered with acceptable 2027 changes, you can stay put. You do not need the Part B figure to make that call. Part B is billed the same whether you use Original Medicare or most Medicare Advantage plans.
Hold-harmless, givebacks and who feels a raise first
Most people who have Part B premiums taken from Social Security are protected by a hold-harmless rule. In plain words, if your COLA dollar raise is smaller than the Part B premium increase, Social Security will not cut your net check to cover the full jump. People who are new to Part B, who pay IRMAA, or who do not have premiums deducted from Social Security do not get that protection. Details land with the CMS notice and your SSA letter.
Some Medicare Advantage plans offer a Part B giveback (a reduction of the Part B premium). Those amounts can change every year. A giveback looks better when Part B rises, but only if the rest of the plan still fits. Check the 2027 Summary of Benefits, not last year’s flyer. Our giveback explainer shows the trade-offs.
What to do this week
- Keep shopping plans through Dec 7. Use 2026 Part B numbers for rough math, and note that 2027 may land near the Trustees estimate.
- Open or check my Social Security so you can read the Message Center in late November.
- Ignore anyone who quotes a “final” 2027 Part B premium before CMS posts the fact sheet. Ask for the CMS.gov link.
- Bookmark the Medicare.gov costs page and the CMS newsroom. When the 2027 sheet appears, the headline will name Parts A and B premiums and deductibles.
- For a full list of 2027 changes already known, see our Medicare 2027 changes guide.
We will update our Part B posts the same day CMS publishes. Until then, the honest answer is: the official number is not out, the projection is about $209.50, and Dec 7 still counts.
The gotchas
Treating the Trustees estimate as locked in. CMS can land higher or lower. Use it as a planning range only.
Skipping Plan Finder because “premiums are not out.” Drug and network changes matter more for many people than a few dollars of Part B.
Missing the Message Center. Late November is the first place many people will see their personal amount. Mail follows in December.
Falling for a caller who “has your new rate.” CMS and SSA publish in writing. They do not sell plans by phone.
Common questions
Has CMS announced the 2027 Part B premium?
No. As of Nov 6, 2026, the CMS fact sheet is not posted, and Medicare.gov still shows 2026 figures. CMS-8094 is in federal regulatory review.
What is the projected 2027 Part B premium?
The 2026 Medicare Trustees Report estimates about $209.50 a month and about $292 for the Part B deductible. Those are estimates, not the final rates.
When will I see my own 2027 premium?
Social Security says the 2027 premium amount will appear in the my Social Security Message Center starting in late November. Paper notices go out in December.
Should I wait until the premium is out to change plans?
No. Open Enrollment ends Dec 7, 2026. Compare drugs, doctors, pharmacies and plan notices now. You can refine the Part B math when CMS publishes.
Will my Social Security check go down if Part B rises?
Often no, because of hold-harmless rules for people whose premiums come out of Social Security. New enrollees, IRMAA payers and people who pay Part B another way may see the full increase. Your SSA notice will show the math.
Where should I look for the official announcement?
Watch the CMS newsroom fact sheets page and Medicare.gov costs. When it is live, the title will cover 2027 Medicare Parts A and B premiums and deductibles.
Khasim Basha Shaik researches and compares Medicare plan rules and official cost figures for SeniorsSecrets.com. He is not a licensed insurance agent or financial adviser. This article is for education only. Confirm every number on Medicare.gov, SSA.gov or CMS.gov before you enroll or change a plan.
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