09/16/2025
Important 2026 Medicare changes 🩺💊
☑️ Beneficiaries should expect higher Part B and Part D premiums, a higher Part D deductible, and a higher annual out-of-pocket drug cost cap of $2,100. Key improvements include lower insulin costs capped at $35 monthly, free coverage for certain vaccines, and the start of negotiated drug prices for some high-cost medications under the Medicare Drug Price Negotiation Program. Additionally, Medicare Advantage (MA) plans may see changes in their benefits and operations, including potential limits on extras and adjustments to how care is delivered.
Higher Costs & Deductibles
⚫️ Part B Premium:
The Part B premium is projected to increase significantly in 2026, with a potential rise of over 10% to $206.50 per month.
⚫️Part D Deductible:
The Part D deductible for drugs is also expected to increase to $615 for the year.
Improved Drug Benefits
⚫️Drug Cost Cap:
The cap on out-of-pocket costs for Part D prescription drugs will rise to $2,100 for the year.
⚫️Insulin Savings:
Monthly insulin costs will be capped at $35, a significant drop from previous years.
⚫️Negotiated Drug Prices:
Medicare will begin negotiating prices for certain high-cost drugs, a move expected to lower costs.
⚫️Vaccine Coverage:
Recommended adult vaccines, such as those for shingles and pneumonia, will be covered with no out-of-pocket costs.
What You Should Do
⚫️ Review Your Notices:
Pay close attention to your Annual Notice of Change (ANOC) for 2026 when it arrives, as it will detail specific changes to your plan.
⚫️Seek Assistance:
Contact me during Medicare Open Enrollment Period
October 15 - December 7
[email protected]
208-377-6720
Michelle Wilson
