Help with Medicare Costs

In 2026, the income limit for individuals is $23,940 or less, and $32,460 or less. Your countable resources (like savings and investments) must also be below $18,090 for individuals or $36,100 for married couples. Limits may change each year.

No, you do not need to reapply every year. Social Security will review your eligibility automatically and notify you if anything changes or if you no longer qualify. If you are not contacted and continue to meet the requirements, your Extra Help will continue.

Yes, you can still apply for Extra Help if you don’t have Medicaid. Many people qualify based on income and resources alone. You may also automatically qualify without applying if you already receive Medicaid, Supplemental Security Income (SSI), or assistance from a Medicare Savings Program.

Extra Help makes prescription drug costs more affordable, but you still need to be enrolled in a Medicare Part D drug plan or a Medicare Advantage plan with drug coverage. It helps pay for premiums, deductibles, coinsurance, and copays, but you should still check that your specific medications are covered by your plan.

If your income or resources change, you may still qualify or begin to qualify for Extra Help. You can apply or reapply any time your financial situation changes. Social Security will review your updated information and determine if you are still eligible or become eligible.