State of Medicare heading into 2026: Your complete guide to new laws and avoiding surprise bills

Prescription drug costs have long been one of the biggest financial burdens for Americans, but relief may be on the horizon for many. Starting in 2026, Medicare will fully implement a $2,000 annual cap on out-of-pocket drug spending. This is a landmark change baked within the Inflation Reduction Act, potentially offering reprieve to millions around the country.

However, this new rule comes with certain nuances, including how the cap is calculated, meaning you might accidentally run into surprise bills if you aren’t careful. QMedic analyzed data from sources including MedicareRights, the AARP, Humana to break down how your cap will be calculated, whether or not you qualify, and what to do du

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