2027 Medicare Changes: What Washington Seniors and Families Should Know
A few Medicare changes in 2027 could affect what Washington seniors pay for healthcare and prescriptions. If you or a family member are reviewing coverage or planning a move into senior living, here are the changes worth knowing about.
Washington Medicare Advantage average monthly premium
Medicare Part D annual out-of-pocket threshold
Maximum standard Part D deductible
Medicare Advantage figures are statewide averages, not individual plan quotes, and exclude the usual Part B premium. Part D figures apply to covered prescription drugs. Individual plans may have lower deductibles.
1. Medicare Advantage plans are changing in Washington
While Medicare Advantage premiums are expected to decrease nationally, Washington’s average monthly plan premium is increasing in 2027.
Plans may also change their provider networks, copayments, and additional benefits, such as dental, vision, and transportation.
Does this affect me?
Do I currently have a Medicare Advantage plan?
Are there specific doctors, hospitals, or rehabilitation facilities I want to continue using?
What to do
Review your plan’s Annual Notice of Change and confirm your preferred healthcare providers will remain in network for 2027. Compare expected out-of-pocket expenses, not just monthly premiums.
2. Prescription drug costs may change
Medicare Part D’s annual out-of-pocket threshold for covered prescription drugs increases from $2,100 to $2,400 in 2027. Once someone reaches this threshold, they generally pay nothing more for covered Part D drugs for the rest of the year. Premiums and noncovered medications are separate expenses.
The maximum standard deductible is also increasing to $700.
There is some potentially good news. Medicare-negotiated prices will take effect for 15 additional medications, including Ozempic, Trelegy Ellipta, Xifaxan, and Linzess. These medications treat conditions such as diabetes, COPD, and digestive disorders.
Individual savings will depend on your medications and prescription drug coverage.
Does this affect me?
Do I take several medications or have expensive prescriptions?
Do I know whether my current medications will be covered and what they will cost in 2027?
What to do
Compare your medications under available 2027 plans, including pharmacy costs. If prescription expenses are difficult to afford, ask about Medicare’s Extra Help program.
3. Planning a move into senior living? Review your Medicare coverage.
Moving into assisted living, memory care, or an adult family home doesn’t necessarily mean you need to change Medicare plans. However, it’s worth checking whether your existing coverage will work well in your new location.
A move outside your plan’s service area, or to an area with new plan choices, may qualify you for a special enrollment period.
Does this affect me?
Am I considering a move to a different city or county?
Will I need new doctors, a different pharmacy, home health services, or rehabilitation providers?
What to do
Confirm that your plan covers the providers and services you’ll need after the move. If you’re considering changing plans, check enrollment rules and supplemental coverage options before making a decision.
Important reminder: What does Medicare cover in senior living?
Medicare generally does not pay for ongoing assisted living, memory care, or adult family home expenses. However, it can continue paying for covered medical services after someone moves.
Medicare may cover
Doctor visits and hospital care
Qualifying short-term skilled rehabilitation
Covered prescription drugs
Qualifying home health services
Medicare generally does not cover
Assisted living or adult family home room and board
Ongoing help with bathing, dressing, and other personal care
Long-term memory care living expenses
Long-term custodial care
For eligible Washington residents, Medicaid may help cover certain long-term care services. Medicare and Medicaid have different eligibility and coverage rules.
What should I do now?
Medicare Open Enrollment runs from October 15 through December 7, 2026, with changes taking effect January 1, 2027.
Before deciding whether to keep or change your coverage:
Review your current plan’s 2027 changes.
Confirm your doctors, medications, and preferred pharmacies are covered.
Compare your options using Medicare Plan Compare.
Contact Washington’s SHIBA program for free, unbiased Medicare guidance.
If you’re considering a move into senior living, it’s important to understand both your healthcare coverage and how you’ll pay for ongoing care. Planning for both can help you make a more informed decision.
Abby
Durr
At Silver Age, we believe that treating people well and doing the right thing leads to lasting success. Our story began with founder Abby Durr’s personal caregiving journey. While caring for her grandfather—who was like a father to her—she experienced firsthand the challenges and rewards of end-of-life care. “I lived next door and had the incredible privilege of sitting with him, holding his hand, bathing him, and helping guide his care.”
Abby’s passion for serving older adults grew while working at a local assisted living and memory care community. She recalls the first resident fondly: “She proudly introduced herself to everyone as the first to move in.” That community grew to 92 residents, each with a unique story. As a care coordinator and later a marketing director, Abby discovered senior referral services and felt called to help families facing major care transitions.
Most people hope to stay at home through life’s end—but when plans change, we’re here. With compassion and expertise, we’ll guide you to trusted care resources and housing that fits your needs, lifestyle, and budget.
Since 2008, Silver Age has been helping Seattle-area families find trusted care providers.
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