Extra Help (Part D Low-Income Subsidy)
Who qualifies in 2026
Income limits are about $23,940 a year for a single person and $32,460 for a married couple. Your savings must be under $18,090 (single) or $36,100 (married). Your home and one car never count — and because some income and savings are excluded, it's worth applying even if you think you're a little over.
What it pays for
A $0 Part D premium, $0 deductible, and only small copays on covered medications. For most people that's roughly $5,700 a year they stop paying out of pocket.
How to apply
Apply free with Social Security at ssa.gov/extrahelp or by phone at 1-800-772-1213. If you qualify for a Medicare Savings Program, you're enrolled in Extra Help automatically.
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How much is Extra Help worth?
About $5,700 a year — it brings your Part D premium and deductible to $0 and leaves only small copays.
What are the 2026 Extra Help income limits?
Roughly $23,940 a year for a single person and $32,460 for a married couple, with savings under $18,090 / $36,100. Some income and savings don't count, so apply even if you're close.
How do I apply for Extra Help?
Apply free through Social Security at ssa.gov/extrahelp or 1-800-772-1213. Qualifying for a Medicare Savings Program enrolls you in Extra Help automatically.
Sources: SSA, Medicare.gov (2026). Estimates — verify with Social Security. MediNav is not the government.