The maximum Medicare Part D deductible in 2026 is $590. Not all Part D plans have a deductible — some plans have a $0 deductible. The deductible applies to Tier 3, 4, and 5 drugs in most plans. Generic drugs (Tier 1 and 2) are often not subject to the deductible.
Key Points
- 2026 maximum Part D deductible: $590
- Not all plans have a deductible — some have $0 deductible
- Deductible typically applies to Tier 3, 4, and 5 drugs
- Generic drugs often not subject to the deductible
- An independent agent can compare Part D plans based on your specific medications