What happens if I drop my Part D plan because of insufficient use and re-enroll in a few years?

Your question is one that many people are also asking. If you drop your Medicare Part D coverage now, when you do decide to enroll in a Part D plan, you will pay an increased monthly premium based on each month that you were without Medicare Part D coverage. The Premium Penalty amount is based (in part) on the price of the Part D plans and the penalty increases each year and can be more than your Part D plan premium (for example, reaching almost $1,100 for the year in 2026).

Also see:

• Should I join a Medicare Part D drug plan even though I don't take any prescription drugs?
• If I decide not to join any Medicare prescription drug plan, and I do not have any other prescription coverage, how long will I have to pay the late-enrollment premium penalty?