Medicare open enrollment runs from Oct. 15 to Dec. 7, with changes taking effect Jan. 1. The annual out-of-pocket cap for Part D drugs rises to $2,400 from $2,100 in 2026, the standard deductible increases from $615 to $700, and the Trump administration is ending a temporary Part D premium subsidy. According to KFF, enrollees in United AARP-branded Part D plans who don't change plans will see monthly premiums rise by $50 or more in all 50 states, and by more than $75 in 37 states. Fifteen drugs, including Ozempic, Rybelsus and Wegovy, will get Medicare-negotiated prices, and the Centers for Medicare and Medicaid expects the change to reduce prescription drug coverage costs for enrollees by $685 million in 2027. KFF notes many enrollees don't compare plans during open enrollment, even though cheaper options exist.
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