Medicare Ratings Guide

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  • Medicare Part D Costs in Kansas 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Kansas: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Kansas 22
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Kansas

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Kansas. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Kansas beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Kansas Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Kansas

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Kansas

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Kansas Residents

    Low-income Medicare beneficiaries in Kansas may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Kansas, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Kansas

    Kansas has 22 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 22 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Kansas

    Most Medicare Advantage plans in Kansas include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 24 Medicare Advantage plans in Kansas include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Iowa 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Iowa: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Iowa 22
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Iowa

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Iowa. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Iowa beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Iowa Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Iowa

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Iowa

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Iowa Residents

    Low-income Medicare beneficiaries in Iowa may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Iowa, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Iowa

    Iowa has 22 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 22 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Iowa

    Most Medicare Advantage plans in Iowa include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 28 Medicare Advantage plans in Iowa include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Indiana 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Indiana: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Indiana 24
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Indiana

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Indiana. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Indiana beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Indiana Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Indiana

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Indiana

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Indiana Residents

    Low-income Medicare beneficiaries in Indiana may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Indiana, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Indiana

    Indiana has 24 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 24 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Indiana

    Most Medicare Advantage plans in Indiana include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 42 Medicare Advantage plans in Indiana include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Illinois 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Illinois: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Illinois 26
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Illinois

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Illinois. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Illinois beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Illinois Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Illinois

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Illinois

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Illinois Residents

    Low-income Medicare beneficiaries in Illinois may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Illinois, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Illinois

    Illinois has 26 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 26 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Illinois

    Most Medicare Advantage plans in Illinois include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 58 Medicare Advantage plans in Illinois include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Idaho 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Idaho: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Idaho 21
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Idaho

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Idaho. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Idaho beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Idaho Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Idaho

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Idaho

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Idaho Residents

    Low-income Medicare beneficiaries in Idaho may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Idaho, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Idaho

    Idaho has 21 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 21 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Idaho

    Most Medicare Advantage plans in Idaho include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 16 Medicare Advantage plans in Idaho include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Hawaii 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Hawaii: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Hawaii 19
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Hawaii

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Hawaii. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Hawaii beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Hawaii Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Hawaii

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Hawaii

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Hawaii Residents

    Low-income Medicare beneficiaries in Hawaii may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Hawaii, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Hawaii

    Hawaii has 19 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 19 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Hawaii

    Most Medicare Advantage plans in Hawaii include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 12 Medicare Advantage plans in Hawaii include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Georgia 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Georgia: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Georgia 25
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Georgia

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Georgia. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Georgia beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Georgia Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Georgia

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Georgia

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Georgia Residents

    Low-income Medicare beneficiaries in Georgia may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Georgia, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Georgia

    Georgia has 25 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 25 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Georgia

    Most Medicare Advantage plans in Georgia include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 48 Medicare Advantage plans in Georgia include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Florida 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Florida: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Florida 29
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Florida

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Florida. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Florida beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Florida Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Florida

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Florida

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Florida Residents

    Low-income Medicare beneficiaries in Florida may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Florida, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Florida

    Florida has 29 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 29 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Florida

    Most Medicare Advantage plans in Florida include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 112 Medicare Advantage plans in Florida include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Delaware 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Delaware: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Delaware 20
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Delaware

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Delaware. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Delaware beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Delaware Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Delaware

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Delaware

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Delaware Residents

    Low-income Medicare beneficiaries in Delaware may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Delaware, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Delaware

    Delaware has 20 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 20 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Delaware

    Most Medicare Advantage plans in Delaware include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 18 Medicare Advantage plans in Delaware include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.

  • Medicare Part D Costs in Connecticut 2026: Out-of-Pocket Calculator & Plan Comparison

    Medicare Part D in Connecticut: 2026 Key Numbers

    Out-of-Pocket Maximum (2026) $2,100/year
    Maximum Part D Deductible $615/year
    National Base Beneficiary Premium $38.99/month
    Coverage Gap (“Donut Hole”) Eliminated as of 2025
    Standalone Part D Plans in Connecticut 21
    Late Enrollment Penalty 1% × $38.99 per month uncovered

    How Medicare Part D Works in Connecticut

    Medicare Part D provides prescription drug coverage for Medicare beneficiaries in Connecticut. In 2026, the most significant change to Part D is the $2,100 annual out-of-pocket cap — the first hard cap in Part D’s history, established by the Inflation Reduction Act. Once you spend $2,100 on covered drugs in a calendar year, your Part D plan pays 100% for the rest of the year. This protects Connecticut beneficiaries with high drug costs from catastrophic prescription expenses.

    2026 Part D Out-of-Pocket Cost Scenarios for Connecticut Residents

    Annual Drug Cost Your Estimated OOP (2026) Plan Pays Notes
    $1,200/year (low) ~$615 (deductible) + 25% coinsurance = ~$765 75% after deductible Below catastrophic threshold
    $4,800/year (moderate) ~$1,200–$1,800 75% after deductible Well below $2,100 cap
    $12,000/year (high) Capped at $2,100 100% after cap Cap protects high-cost patients
    $50,000/year (specialty drugs) Capped at $2,100 100% after cap Critical protection for cancer, MS, etc.

    Part D Late Enrollment Penalty in Connecticut

    If you go without creditable prescription drug coverage for 63 or more consecutive days after becoming eligible for Medicare Part D, you will pay a late enrollment penalty for as long as you have Part D coverage. The penalty is calculated as 1% of the national base beneficiary premium ($38.99/month in 2026) for each month you were without coverage. For example, if you went 24 months without Part D coverage, your penalty would be 24% × $38.99 = $9.36/month added to your premium permanently.

    Late Enrollment Penalty Calculator for Connecticut

    Months Without Coverage Monthly Penalty (2026) Annual Extra Cost
    12 months $4.68/month $56.15/year
    24 months $9.36/month $112.29/year
    36 months $14.04/month $168.44/year
    60 months $23.39/month $280.73/year

    Extra Help (Low Income Subsidy) for Connecticut Residents

    Low-income Medicare beneficiaries in Connecticut may qualify for Extra Help, which reduces Part D costs to nominal copays ($4.90 for generics, $12.15 for brand-name drugs in 2026) and eliminates the late enrollment penalty. To qualify for full Extra Help in Connecticut, your monthly income must be at or below $1,255 (individual) or $1,704 (couple). Apply through Social Security at ssa.gov or call 1-800-772-1213.

    Choosing a Part D Plan in Connecticut

    Connecticut has 21 standalone Part D plans available. The most important factor in choosing a plan is whether your specific medications are on the plan’s formulary at a reasonable tier. Use the Medicare Plan Finder at medicare.gov/plan-compare to enter your exact medications and compare total annual costs — premium plus deductible plus copays — across all 21 plans. The plan with the lowest premium is rarely the lowest total cost if your drugs are on a high tier.

    Part D and Medicare Advantage in Connecticut

    Most Medicare Advantage plans in Connecticut include prescription drug coverage (MAPD plans). If you enroll in a Medicare Advantage plan with drug coverage, you cannot also have a standalone Part D plan. The 22 Medicare Advantage plans in Connecticut include both MAPD (with drug coverage) and MA-only (without drug coverage) options. If you choose an MA-only plan, you can add a standalone Part D plan.