Some considerations when picking your Medicare Standalone Part D plan for 2026
When looking over a plan, make sure to note how your part of the coverage is described: Big difference when it says “co-insurance” instead of “co-pay” .
That seems to be another place where some of the changes are taking place.
Also, remember there is the installment payment option for those on really expensive meds - a way to soften the blow even with the $ 2100 deductible for 2026. The installment payment option for Medicare Part D is called the Medicare Prescription Payment Plan (MPPP). This voluntary program, available starting in 2025, allows eligible Medicare Part D enrollees to spread their out-of-pocket prescription drug costs across the calendar year instead of paying the full amount at the pharmacy. You must opt into the plan by contacting your Part D plan sponsor and setting it up with them.
Medicare.gov - What is the Medicare Prescription Payment Plan?
It does help in managing your [high] drug cost and there is no charge for this benefit.