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Medicare Part D
Prescription Drug Coverage 2027
Medicare Part D Plans New York 2027: 9 Plans and How EPIC Fits
Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 2, 2026
New York has 9 standalone Medicare Part D plans for 2027 in our count of CMS 2027 plan filings, from Humana, Wellcare, UnitedHealthcare, Aetna SilverScript and HealthSpring. Many New Yorkers age 65 and older can pair one of them with EPIC, the state program that can pay Part D premiums and lower pharmacy copays to $20 or less.
2027 by the Numbers
9
standalone Part D plans in New York for 2027 (our count of CMS 2027 plan filings)
$75,000
EPIC income limit for a single person (NY State Department of Health, 2026)
$3 to $20
EPIC copay range after Part D pays (NY State Department of Health)
New York is one of the few states that still runs a large drug program of its own for older residents. EPIC, the Elderly Pharmaceutical Insurance Coverage program, does not replace Part D. It sits behind your Part D plan, and you must be enrolled in a Part D plan before EPIC pays anything. Picking the right standalone plan is still the first step.
This page lists the nine 2027 plans in our count of CMS 2027 plan filings (Medicare Plan Finder counts can differ slightly) and shows how EPIC changes the yearly cost. National rules are summarized on the Medicare Part D plans 2027 hub.
Key Takeaways
- Our count shows 9 standalone Part D plans for 2027 statewide, the same list in Brooklyn and in the Adirondacks.
- No Blue Cross company files a standalone drug plan in New York for 2027 in our count, even though several Blue plans sell Medicare Advantage here.
- EPIC requires Part D enrollment, then covers costs after the Part D deductible with copays of $3 to $20.
- EPIC Fee Plan members get premium help up to a set monthly amount, which was $58.82 in 2026.
- HIICAP offers free Medicare counseling through county offices for the aging.
EPIC in Two Versions: Fee Plan and Deductible Plan
Fee Plan
✔
Income up to $20,000 single or $26,000 married (2026)
✔
Annual fee of $8 to $300 based on prior-year income
✔
EPIC pays Part D premiums up to a set monthly amount
✔
Fee waived for anyone with full Extra Help
Deductible Plan
✔
Income $20,001 to $75,000 single or $26,001 to $100,000 married (2026)
✔
No fee, but an EPIC deductible of $530 to $3,215
✔
Premium help only for lower-income members of this plan
✔
Others get an EPIC deductible reduced by about $706 instead
To qualify, you must be 65 or older, live in New York as your permanent home, and not receive full Medicaid. Figures above are the program’s 2026 amounts from the NY State Department of Health; the state may adjust them for 2027.
Nine Standalone Plans Filed for New York
2027 New York PDPs (our count of CMS 2027 plan filings)
✔
Humana: Basic Rx Plan, Value Rx Plan and Premier Rx Plan
✔
UnitedHealthcare: Medicare Rx Preferred from UHC and Medicare Rx Saver from UHC
✔
Wellcare: Wellcare Classic and Wellcare Value Script
✔
Aetna: SilverScript Choice
✔
HealthSpring: HealthSpring Assurance Rx
EPIC works with any Part D plan you choose, so the usual test still applies: check that your drugs are on the plan’s formulary, look at the tier each one lands on, and confirm your pharmacy is in network. Each plan sets its own 2027 premium and deductible, up to the $700 federal limit, and a drug covered by one plan may be missing from another.
Yearly Premiums Before and After EPIC
| Monthly premium example | Yearly premium on your own | Fee Plan member, if EPIC covers it in full |
|---|---|---|
| $5.30 (lowest standalone premium in most states, CMS) | $63.60 | $0 from you |
| About $36 (CMS 2027 average total PDP premium) | About $432 | $0 from you |
| $75 (example of a richer plan) | $900 | You pay the part above EPIC’s monthly limit |
Our math from CMS 2027 premium figures. EPIC’s 2026 premium help limit was $58.82 a month; the 2027 limit is set by the state. Your plan’s actual premium may differ.
Why the plan pick still matters: even when EPIC covers the premium, any Part D deductible is still yours to pay, and a given plan may leave a drug off its formulary or require prior authorization.
Premiums are only one line of the yearly budget. Deductibles, tier copays and the $2,400 cap shape the rest, and EPIC changes some of those numbers for members. A full national breakdown of the 2027 cost pieces is on our how much Medicare Part D costs in 2027 page.
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Who Pays First at a New York Pharmacy
1
Your Part D plan pays first. During any Part D deductible you pay the plan’s price, and EPIC does not pick up that cost.
2
The deductible spending does not count for EPIC. Money spent in the Part D deductible phase is not credited toward the EPIC deductible.
3
EPIC then acts as secondary coverage. Fee Plan members pay EPIC copays of $3, $7, $15 or $20 based on the drug’s cost; Deductible Plan members reach those copays after meeting the EPIC deductible.
4
Some drugs Part D excludes may still be covered. EPIC covers many drugs that Part D does not, with a copay always applying to those.
5
The $2,400 cap still protects you. Once your Part D out-of-pocket spending reaches the 2027 cap, covered Part D drugs cost $0 for the rest of the year.
Why No Blue Cross Drug-Only Plan Appears
Market note: Excellus, Highmark and Anthem all file New York Medicare Advantage plans for 2027 in our count, with 19, 13 and 12 plans. None of them filed a standalone PDP for the state, so Blue-loyal New Yorkers on Original Medicare will pick from the five national sponsors.
This differs from North Carolina, where the local Blue company sells two of its own drug plans; see the North Carolina 2027 Part D page for that lineup. If you have Extra Help, the premium-free choices depend on which plans fall under the regional benchmark, explained on our Extra Help 2027 page.
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Medicare Advantage From Brooklyn to the North Country
| County | MA plans for 2027 (our count) |
|---|---|
| Kings (Brooklyn) | 76 |
| Queens | 68 |
| Bronx | 66 |
| Westchester | 65 |
| Nassau | 63 |
| Clinton and Essex | 22 each |
| Tompkins | 20 |
Our count of CMS 2027 plan filings: 224 individual Medicare Advantage plans across New York’s 62 counties. Aetna files the most, with 41.
EPIC also works with a Medicare Advantage plan that includes drug coverage, so the decision between Original Medicare plus a PDP and an MA plan does not change your EPIC eligibility. It mainly changes your doctor network and how your medical bills are paid. Joining EPIC also opens a Special Enrollment Period to get into a Part D plan, and EPIC lets existing members make one Medicare plan change per calendar year.
HIICAP Counseling for New Yorkers
Free
one-on-one Medicare counseling with no sales pitch
County-based
run with the NY State Office for the Aging through local aging offices
Drug plans
counselors can compare 2027 Part D plans and explain savings programs
HIICAP stands for the Health Insurance Information, Counseling and Assistance Program. Book early in the Annual Enrollment Period, which runs October 15 to December 7, 2026, for coverage that begins January 1, 2027.
The Bottom Line
The Bottom Line
New Yorkers get 9 standalone Part D plans for 2027 in our count, with no Blue-branded option. What sets the state apart is EPIC: once you are in a Part D plan, it can cover premiums up to a state limit and cut copays to between $3 and $20. Compare plans for your own drugs first, then apply EPIC on top.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) to get information on all of your options.
Frequently Asked Questions
➤ Which companies sell standalone drug plans in New York for 2027?
Humana, Wellcare, UnitedHealthcare, Aetna SilverScript and HealthSpring, for 9 plans in our count of CMS 2027 plan filings.
➤ Do I need a Part D plan to use EPIC?
Yes, with no exceptions. EPIC benefits do not begin until you are enrolled in a Part D plan.
➤ Will EPIC pay my 2027 Part D premium?
Fee Plan members and lower-income Deductible Plan members get premium help up to a monthly limit, which was $58.82 in 2026. Others pay their own premium and get a lower EPIC deductible.
➤ Does money spent in the Part D deductible count toward EPIC?
No. Spending during the Part D deductible phase is not credited to the EPIC deductible.
➤ Can I have EPIC and full Medicaid at the same time?
No. People receiving full Medicaid benefits are not eligible for EPIC.
➤ Is there a Blue Cross standalone drug plan in New York?
Not for 2027 in our count. Blue companies in New York sell Medicare Advantage plans but no standalone PDP.
➤ What is HIICAP?
New York’s free Medicare counseling program, run with the State Office for the Aging through county offices.
➤ Do I get EPIC if I have Extra Help?
You can have both. Members with full Extra Help have their EPIC fee waived.
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