Comparing Part D plans the right way can save you hundreds of dollars in 2026. Here is a step-by-step method and the dates you need to know.
How do you compare 2026 Part D plans step by step?
First, write down every medication, dose, and frequency. Second, gather candidate plans in your area. Third, for each plan check that all your drugs are on the formulary and note their tiers, then add up premium, deductible, and estimated copays for a true annual cost. Fourth, confirm your preferred pharmacy is in-network and compare mail-order pricing. Fifth, check the star rating. The plan with the lowest total cost that covers your drugs wins. This takes time — our licensed agents at 1-800-MEDIGAP run the full comparison for you at no charge.
When is the deadline to compare and switch?
The Annual Enrollment Period runs October 15 to December 7, 2025, with your new plan starting January 1, 2026. This is the main window to compare and switch for the coming year. New beneficiaries also have their Initial Enrollment Period at 65, and certain events open Special Enrollment Periods. Because plans refile pricing every year, comparing each fall is the only way to be sure you still have the best deal. Do not wait until the deadline — call 1-800-MEDIGAP early so a licensed agent can compare your options without the rush.