Medicare Part D Creditable Coverage – 2027 Large Group Health Plans

Updated on: October 28, 2026 | By Word & Brown General Agency | California & Nevada

New federal standards for determining Medicare Part D creditable prescription drug coverage take effect for plan years beginning in 2027. Under the revised testing methodology, some employer-sponsored health plans that previously met the requirements for creditable coverage may be classified as non-creditable beginning with their 2027 plan year.

To help California and Nevada brokers and employers navigate these changes, Word & Brown has collected Medicare Part D creditable coverage determinations from our fully insured carrier partners. The information below lists 2027 Large Group health plans in California and Nevada identified as non-creditable under the new federal standards. We will continue updating this resource as carriers complete their reviews and provide additional plan determinations.

Preparing for an Employer's 2027 Large Group Plan Renewal

Employers should pay particular attention to Medicare Part D creditable coverage when reviewing their Large Group health plan options for 2027. A plan that qualified as creditable in previous years may no longer meet the updated federal requirements, making it important to confirm the status of the coverage selected for the new plan year.

Employers must inform Medicare-eligible individuals whether their prescription drug coverage is creditable or non-creditable. We encourage employers to review this status during their annual renewal and distribute the appropriate Medicare Part D notice to affected employees and dependents before the new coverage becomes effective.

An annual Medicare Part D notice is also required before October 15 each year (no later than October 14) for Medicare-eligible employees and dependents, whether their coverage is creditable or non-creditable. Employers must also notify affected individuals when their plan's creditable coverage status changes.

For more details on the updated 2027 testing standards, required disclosures, and what employers need to know, see our Medicare Part D Creditable Coverage Is Changing for 2027: What Brokers Need to Know column.

California Small Group Non-Creditable Plans

(Aetna)

All Aetna California fully insured 101-200 plans are creditable for the 2027 plan year.

(Blue Shield of California)

HMO/POS Plans

Enhanced Rx $15/20%/30%/40% with $0 Pharmacy Deductible
Enhanced Rx $15/20%/30%/40% with $150 Pharmacy Deductible
Enhanced Rx $15/20%/30%/40% with $250 Pharmacy Deductible
Enhanced Rx $15/30/50% $100 max with $0 Pharmacy Deductible
Enhanced Rx $15/30/50% $100 max with $150 Pharmacy Deductible
Enhanced Rx $15/30/50% $100 max with $250 Pharmacy Deductible
Enhanced Rx $15/40/70 with $250 Pharmacy Deductible
Enhanced Rx $20/40/60 with $0 Pharmacy Deductible
Enhanced Rx $20/40/60 with $150 Pharmacy Deductible
Enhanced Rx $20/40/60 with $250 Pharmacy Deductible
Enhanced Rx - Value Formulary $15/20%/30%/40% with $0 Pharmacy Deductible (Withdrawn)
Enhanced Rx - Value Formulary $15/20%/30%/40% with $150 Pharmacy Deductible (Withdrawn)
Enhanced Rx - Value Formulary $15/20%/30%/40% with $250 Pharmacy Deductible (Withdrawn)
Enhanced Rx - Value Formulary $15/40/70 with $150 Pharmacy Deductible
Enhanced Rx - Value Formulary $15/40/70 with $250 Pharmacy Deductible
Enhanced Rx - Value Formulary $20/40/60 with $0 Pharmacy Deductible (Not Marketed)
Enhanced Rx - Value Formulary $20/40/60 with $150 Pharmacy Deductible (Not Marketed)
Enhanced Rx - Value Formulary $20/40/60 with $250 Pharmacy Deductible (Not Marketed)
Rx Spectrum $15/30/45 with $0 Pharmacy Deductible
Rx Spectrum $15/30/45 with $150 Pharmacy Deductible
Rx Spectrum - Value Formulary $15/30/45 with $150 Pharmacy Deductible
Rx Spectrum - Value Formulary $15/40/70 with $0 Pharmacy Deductible (Withdrawn)
Rx Spectrum - Value Formulary $15/40/70 with $150 Pharmacy Deductible (Withdrawn)

PPO Plans

Enhanced Rx $15/20%/30%/40% with $0 Pharmacy Deductible
Enhanced Rx $15/20%/30%/40% with $150 Pharmacy Deductible
Enhanced Rx $15/20%/30%/40% with $250 Pharmacy Deductible (Withdrawn)
Enhanced Rx $15/30/50% $100 max with $0 Pharmacy Deductible
Enhanced Rx $15/30/50% $100 max with $150 Pharmacy Deductible
Enhanced Rx $15/30/50% $100 max with $250 Pharmacy Deductible
Enhanced Rx $15/40/70 with $250 Pharmacy Deductible
Enhanced Rx $20/40/60 with $0 Pharmacy Deductible
Enhanced Rx $20/40/60 with $150 Pharmacy Deductible
Enhanced Rx $20/40/60 with $250 Pharmacy Deductible
Enhanced Rx - Value Formulary $15/20%/30%/40% with $0 Pharmacy Deductible (Withdrawn)
Enhanced Rx - Value Formulary $15/20%/30%/40% with $150 Pharmacy Deductible (Withdrawn)
Enhanced Rx - Value Formulary $15/20%/30%/40% with $250 Pharmacy Deductible (Withdrawn)
Enhanced Rx - Value Formulary $15/40/70 with $150 Pharmacy Deductible
Enhanced Rx - Value Formulary $15/40/70 with $250 Pharmacy Deductible
Enhanced Rx - Value Formulary $20/40/60 with $0 Pharmacy Deductible (Not Marketed)
Enhanced Rx - Value Formulary $20/40/60 with $150 Pharmacy Deductible (Not Marketed)
Enhanced Rx - Value Formulary $20/40/60 with $250 Pharmacy Deductible (Not Marketed)
Rx Spectrum $15/30/45 with $0 Pharmacy Deductible
Rx Spectrum $15/30/45 with $150 Pharmacy Deductible
Rx Spectrum - Value Formulary $15/30/45 with $150 Pharmacy Deductible
Rx Spectrum - Value Formulary $15/40/70 with $0 Pharmacy Deductible (Withdrawn)
Rx Spectrum - Value Formulary $15/40/70 with $150 Pharmacy Deductible (Withdrawn)

(CalCPA Health)

Bronze PPO 50/6500/3
Silver PPO HSA 4000 PPO
Bronze PPO HSA 5200 PPO
Bronze PPO HSA 6600 PPO

All of the PPO plans listed are also offered on the Select PPO network, except for the Coupe Health AHPs (“-C” suffix); the creditable/non-creditable determination is the same regardless of provider network.

Source/Links

2027 CalCPA Creditable Coverage

(MediExcel Health Plan)