Good News: 10 Popular Prescription Drugs Will Be Cheaper in 2026

If you take Eliquis, Jardiance, Xarelto, Januvia, Farxiga, Entresto, Enbrel, Imbruvica, Stelara, or NovoLog, you’ll want to pay attention: Medicare has negotiated new, lower prices starting in 2026.

That’s a big win for seniors who depend on these medications for conditions like diabetes, heart failure, arthritis, and cancer.

But here’s the catch: how much you’ll actually save depends on the new 2025 Medicare Part D rules and whether you’re in a Basic or Enhanced plan.

What’s Changing in 2025

• Deductible capped at $590 in 2025 ($615 in 2026).

• New $2,000 annual out-of-pocket limit (goes up slightly in 2026).

• After you hit that cap, Medicare pays 100% of covered prescriptions.

• Basic vs. Enhanced plans: Basic plans stick to Medicare’s rules, and all your costs count toward that $2,000 cap. Enhanced plans may offer lower copays or waive the deductible — but some of those “deals” don’t count toward your out-of-pocket limit.

  
  

That means your real savings may be very different depending on the plan you choose.

What This Means for You

If you’re on one of those 10 drugs, your list price will drop in 2026. But whether you feel the full benefit depends on how your plan handles cost-sharing (TrOOP).

As Mary, a Medicare agent with M3 Insurance, explains:

“We must make sure a lower negotiated price isn’t eaten up by plan quirks — the benefit has to count toward what the patient actually pays.”

Alexis, also a Medicare agent at M3 Insurance, adds:

“These new negotiated prices are a game changer, but only if your plan is structured so you can take advantage of them.”

Bottom Line

• Drug prices are going down in 2026.

• Part D rules are changing in 2026.

• Your choice of plan matters more than ever.

👉 Sounds complicated? That’s because it is.

Rely on the experts at M3 Insurance to walk you through your options, explain how these changes affect your prescriptions, and make sure you don’t leave savings on the table.