Part D Drug Cost Calculator
In 2026, your out-of-pocket spending on covered Part D drugs is capped at $2,000 — the old “donut hole” is gone. Enter your plan premium and rough drug spending to estimate your yearly total and see how much the cap saves you.
Part D costs come in two pieces: your monthly premium, and what you pay out of pocket for your drugs — which is now capped at $2,000 a year. Estimate your total below, then compare Part D plans.
Your estimated yearly Part D cost
Enter your details to see an estimate.
Struggling with drug costs? See whether you qualify for Extra Help or prescription assistance — both can cut this further.
Frequently Asked Questions
What is the 2026 Part D out-of-pocket cap?
$2,000. Once your out-of-pocket spending on covered drugs reaches it, you pay nothing more for covered prescriptions the rest of the year.
Does the cap include my premium?
No — the cap is on your out-of-pocket drug costs (deductible, copays, coinsurance). Your monthly plan premium is separate.
Sources
- Medicare.gov — drug coverage (Part D) — Medicare.gov
Talk to a local, licensed agent
Rocco DeLuca can walk you through your options — free, no pressure.