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.
$2,000 Annual Cap
Once your covered drug out-of-pocket spending hits the cap, you pay nothing more for the rest of 2026.
Premium + Out-of-Pocket
Your yearly total is your plan premium plus what you actually spend on drugs, capped by the 2026 limit.
Based on the 2026 Base Premium
Estimated against the 2026 base Part D premium of $38.99.
Still Too High?
You may qualify for lower costs — check the Extra Help calculator.
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?
Does the cap include my premium?
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.