What is the maximum Part D deductible in 2026?

A deductible is the amount you pay for covered drugs before your plan starts sharing the cost. Part D plans are run by private companies, so each plan sets its own deductible, but no plan can charge more than $615 in 2026. Some plans choose a lower deductible or none at all, which is one reason monthly premiums and total costs differ from plan to plan. After you meet the deductible, you move into the next phase of drug coverage, and Part D also has a yearly out-of-pocket cap of $2,100 in 2026 that limits your total spending on covered drugs. To find out which specific plan fits your situation, reach out to a licensed Goodsurance advisor at 1-888-301-8091 (TTY 711), Mon to Fri 8 am to 5 pm PT.