The $35 cap, explained
The cap is per insulin product, per month's supply. If you use two different covered insulins, each one is capped at $35 a month.
There is no deductible for insulin. So even in January, when you may still be paying toward your Part D deductible on other drugs, covered insulin stays at $35 or less.
| Supply | Most you pay | Deductible |
|---|---|---|
| 1 month | $35 | $0 |
| 3 months | $105 | $0 |
Part D insulin versus Part B insulin
Most people get insulin through a Part D plan or a Medicare Advantage plan with drug coverage. Injected insulin, such as pens and vials, is covered this way.
If you use a traditional insulin pump, Part B covers the pump and the insulin used in it. That insulin is also capped at $35 for a month's supply in 2026.
What the cap does not cover
The cap applies to insulin your plan covers. Check that your insulin is on the plan's drug list before you enroll. Syringes, needles and other supplies may have their own costs.
Your insulin payments also count toward the Part D out-of-pocket cap, which is $2,100 in 2026. See how the Part D cap works. Bring your current plan and your prescription list; we'll do the comparison with you.