Journal / field noteMedicare's open enrollment starts October 15, and the numbers that matter this fall are not the averagesCMS projects the average Medicare Advantage premium will fall to $12 a month in 2027, and says about eight in ten enrollees can keep their plan at the same or a lower premium. Those are averages. What decides one person's year is the plan's change letter, the drug benefit's new limits, and two blanks an agent who sells for more than one company must fill in before talking about benefits. Open enrollment runs October 15 to December 7.October 2, 20269 source receiptsRead the field note

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CMS press release, 'Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2027', September 28, 2026, with CMS state fact sheets of the same dateOct 2, 2026

CMS projects the national average Medicare Advantage premium will fall to $12.00 a month in 2027 from $14.37; Open Enrollment runs October 15 to December 7

CMS's September 28 release projects a lower national average Medicare Advantage premium for 2027, $12.00 a month against $14.37, and the average stand-alone drug-plan premium up less than $1. Its Arizona sheet gives that state's average MA premium as $4.47 for 2026 and $2.81 for 2027. An average is not any one plan's premium. Open Enrollment runs October 15 to December 7; Medicare.gov advises reviewing the plan's Annual Notice of Change.

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Read October 2 Arizona time, fetched directly from CMS and Medicare.gov: the full September 28 release; the Arizona sheet (starting at page 10 of the 168-page September 28 state fact sheet PDF); the Part D parameter tables in CMS's April 6, 2026 CY 2027 Rate Announcement; Medicare.gov pages on drug costs, drug lists, Open Enrollment, the Annual Notice of Change and contact options; and 42 CFR 422.111 on eCFR. Limits: the release calls its national figures projected, while the Arizona sheet states its averages without that word and does not say how they are weighted. This desk did not read the plan-level 2027 landscape files, any plan's own notice, or a 2027 Part B premium, and did not test the Plan Finder. Medicare.gov pages are live pages and can change.

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CMS release, September 28, 2026 CMS state fact sheets (PDF) CMS CY 2027 Rate Announcement, April 6, 2026 (PDF)

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