What is the Part D out-of-pocket limit for 2026?

Question

Marisol Adamo · Accepted Answer

Hi there,

For 2026, the Medicare Part D out‑of‑pocket limit is $2,100. Once you’ve spent that amount on covered prescriptions — including your deductible, copays, and coinsurance — your plan pays 100% of your covered medications for the rest of the year. Premiums don’t count toward that limit, but everything you pay out of pocket for covered drugs does.

Terry Salak · Answer

The 2026 Medicare Part D MOOP (Maximum Out of Pocket) limit for 2026 is $2,100. This number includes both the cost of your medications and any type of plan deductible you may also have. It DOES NOT include the monthly premium on your plan if you happen to have one.

Answered by Terry Salak on October 5, 2026

Agent Licensed in FL, AL, AZ & 11 other states

Answered by Terry Salak Medicare Insurance Agent

Edward Smith, ChFC, CRPS, AIF · Answer

The 2026 Part D out of pocket limit is $2,100.00. in 2027 it is going up to $2,400.00. Keep in mind this only applies to drugs that are on the plan's formulary list.

Cherilyn Ginn · Answer

The out-of-pocket spending limit for Part D in 2026 is $2,100.  It will be increasing to $2,400 in 2027. Once you reach that threshold your medications will be covered till the end of the year.

Jeremy Harkins · Answer

The 2026 limit is $2,100 in qualifying out-of-pocket spending for covered Part D drugs, including certain payments made on your behalf. After reaching it, you pay no additional cost sharing for covered Part D drugs for the rest of that calendar year. Premiums, noncovered drugs, and Part B medications are not all protected by that same limit.

Answered by Jeremy Harkins on September 14, 2026

Broker Licensed in TN, AR, CA & 5 other states

Answered by Jeremy Harkins Medicare Insurance Agent

Shawn Lee · Answer

The Part D out-of-pocket limit for 2026 is $2,100. Once you reach that amount for covered Part D drugs, you pay $0 for covered Part D drugs for the rest of the year.

Taylor Davis · Answer

The MOOP (Max out of pocket expense) for 2026 is $2,100. After meeting the out-of-pocket limit, you pay $0 for covered drugs for the rest of the year.

Lee Carroll · Answer

The Medicare Part D out-of-pocket limit for 2026 is $2,100 for covered prescription drugs. Once you reach that amount, you pay $0 for covered Part D medications for the remainder of the calendar year.

What is the Part D out-of-pocket limit for 2026?

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What is the Part D out-of-pocket limit for 2026?

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