- 2023: Insulin co-pay capped at $35 for 30 day supply.
- 2024: Catastrophic Coverage Stage cost sharing eliminated.
- 2025: Annual Out-of-Pocket Drug cost sharing capped at $2000.
- 2026: Medicare and drug companies, for the first time, will negotiate price on the top ten drugs costing the Part D system the most in taxpayer money.
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- Premium changes – with standalone Part D or Medicare Advantage.
- Drug deductible change – can be as high as $590.
- Cost sharing change – a prescription which may have previously been quoted a fixed copay may in 2025 be quoted a percentage of the drug cost.
Tips for Getting Ready Now!
enroll now in a New York program based on your Income
| Program | Individual | Couple |
| 1. Medicare Savings | < $2,426 mo | < $3,279 mo |
| 2. NY EPIC | < $75,000 / yr | < $100,000 / yr |
Medicare Savings Program. If eligible, you will receive help paying the Medicare Part B premium, and automatically get Extra Help, the federal program that helps with prescription drug (Part D) costs such as monthly premium, drug deductible and prescription copays. Click for more information and MSP Application Form.- For individuals with annual income greater than the above MSP levels, but under $75,000 (up to $100,000 for a couple) the New York State EPIC program is secondary drug coverage – meaning EPIC will, after meeting a deductible, help with your prescription copay. If you take brand name medications and your 2025 cost sharing is based on percentage of the drug cost, you will want this EPIC secondary coverage in place to start the new year. (Another benefit to being an EPIC member is having the ability to change your Part D plan one time per year outside of the Annual Enrollment Period.) You can now apply for NY State EPIC online or download, print, complete and mail the EPIC application to their office in Albany:
Medicare Savings Program. If eligible, you will receive help paying the Medicare Part B premium, and automatically get 
For individuals with annual income greater than the above MSP levels, but under $75,000 (up to $100,000 for a couple) the New York State EPIC program is secondary drug coverage – meaning EPIC will, after meeting a deductible, help with your prescription copay. 
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