The real limits of the Medicare Part D cap in 2026 and 2027
The Medicare Part D cap stops at $2,100 in 2026. Premiums, Part B drugs, and non-formulary prescriptions never count toward it.

The Medicare Part D cap stops at $2,100 in 2026. Premiums, Part B drugs, and non-formulary prescriptions never count toward it.

Medicare’s Part A deductible resets with each benefit period, not each January. Two hospital stays 61 days apart cost $3,472 instead of $1,736.

Medicare’s Part B deductible hit $283 in 2026, the largest rise since 2022. The figure most people quote is only the first of three costs.

Medicare Part B now costs $202.90 a month. The 2.8% COLA raised the average check by $56 — and $17.90 of that went straight back to Medicare.

Medicare costs arrive as five separate charges from four different payees. The 2026 Social Security raise averaged $56 a month; Part B took $17.90 of it.