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● Free tool · Medicare

Medicare Part D drug cost calculator (2026)

Enter your total annual prescription drug cost at the plan's negotiated price, and see your estimated cash out-of-pocket under the 2026 Part D standard benefit -- the deductible, 25% coinsurance, and the $2,100 out-of-pocket cap that triggers $0 coverage for the rest of the year.

✓ TestedMatches CMS's final CY 2026 Part D Redesign Program Instructions: the $615 deductible, 25% initial-coverage coinsurance, and $2,100 out-of-pocket cap
Estimated cash out-of-pocket this year–

Based on CMS's final CY 2026 Part D Redesign Program Instructions: the enrollee "pays 100% of their gross covered prescription drug costs... until the deductible of $615 for CY 2026 is met," then "pays 25% coinsurance for covered Part D drugs" in the initial coverage phase, until out-of-pocket spending reaches the "CY 2026 annual out-of-pocket (OOP) threshold of $2,100," after which "the enrollee pays no cost sharing for covered Part D drugs." The 2026 redesign excludes the Manufacturer Discount Program's contribution from that out-of-pocket count, so brand-name and generic drugs accumulate toward the $2,100 cap at the same rate -- $2,100 is simply the most you'll pay in cash for covered drugs this year, regardless of brand or generic mix. This is a national-average model of the standard benefit; your actual plan's formulary tiers, any deductible-exempt drugs, and enhanced (better-than-standard) benefit designs can shift the exact numbers. More on the surrounding Medicare choice in the Medicare Advantage vs. Original Medicare guide and on income-based premium surcharges in the IRMAA guide.

How it works

CMS's final CY 2026 Part D Redesign Program Instructions set three phases: a $615 deductible (100% cash), then 25% coinsurance in the initial coverage phase, until cash out-of-pocket costs hit the $2,100 threshold -- after that, "the enrollee pays no cost sharing for covered Part D drugs" for the rest of the year. The 2026 redesign excludes the Manufacturer Discount Program's contribution from that out-of-pocket count, so brand-name and generic drugs accumulate toward the $2,100 cap at the same rate -- there's no brand-vs-generic wrinkle. At $6,000 of total drug cost you pay $1,961.25 in cash and never reach the cap; at $10,000 you hit the $2,100 cap once your total drug cost reaches $6,555, and the remaining $3,445 of that year's drugs cost nothing. More on the surrounding Medicare choice in the Medicare Advantage vs. Original Medicare guide and the full phase-by-phase math in the Part D drug cost guide.

Worked examples