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 Here’s what you need to know. Due to industry-wide trends in Medicare drug coverage, deductibles are becoming more common in Medicare Part D plans. Since the Inflation Reduction Act took effect in 2025, many Medicare Advantage and Part D plans have transitioned from copays to coinsurance for prescription drugs. This video clearly explains the Medicare deductible and initial coverage stages.

•  Part D maximum out-of-pocket drug cost will increase to $2400
• Part D prescription drug deductible increased to $700
• Transitioned from copay to coinsurance depending on the tier level of the drug

Understand what coinsurance is and why many health plans in 2027 are shifting from copays to coinsurance for some prescription drugs. This video will help explain how to calculate your out-of-pocket costs.