MEDICARE CHANGES FOR 2026
A Simple Guide for Seniors
✅ THE GOOD NEWS
💊Prescription Costs Are Dropping
- New $2,100 yearly cap on out-of-pocket drug costs (Medicare Part D).
- Some high-cost medications will have lower prices thanks to Medicare negotiations.
💉Vaccines and Insulin Stay Affordable
- Vaccines like shingles and flu shots are usually free.
- Insulin will still cost no more than $35/month.
💰 COST CHANGES TO KNOW
- Medicare Part B Premiums are expected rise to $206.50, which is an 11.6% increase from the 2025 premium of $185. Higher-income individuals may pay more due to Income-Related Monthly Adjustment Amounts (IRMAA), and the annual Part B deductible is also expected to rise to an estimated $288.
- Part D Deductible Increases Slightly
You'll pay up to $615 before coverage starts (up from $590 in 2025).
⚠️ WHAT TO WATCH FOR
- Plans May Change Benefits
Even if your plan name and price look the same, coverage and extras might change. - Extra Perks Might Disappear
Some plans may reduce or eliminate non-medical extras, such as food or ride programs. - Doctor Networks Can Change
Always check if your doctors and hospitals are still in your plan before re-enrolling.
📅 IMPORTANT DATES
Medicare Open Enrollment:
October 15 – December 7, 2025
This is your chance to switch or compare plans for 2026.
📞 NEED HELP?
1-800-MEDICARE (1-800-633-4227)
or
Call your local SHIP (State Health Insurance Assistance Program) for free help.
