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Overall fewer 2023 stand-alone Medicare Part D plans (PDPs) qualifying for the Low-Income Subsidy (LIS) $0 premium

Annual Medicare plan changes · published Sep 30, 2022

Based on the Centers for Medicare and Medicaid Services (CMS) recently released 2023 Medicare Part D prescription drug plan (PDP) landscape data, although there are more 2023 stand-alone Medicare Part D plan (PDP) plan options, the total number of 2023 PDPs qualifying for the Low-Income Subsidy (LIS) $0 premium will decrease, with some states offering fewer $0 premium LIS-qualifying 2023 drug plan options

The total number of stand-alone 2023 Medicare Part D prescription drug plans across the country will increase 4.6% to 801 plans from 766 plans currently offered in 2022.  However, the total number of $0 premium LIS-qualifying PDPs decreased in 2023 (see second chart below) from 198 qualifying plans in 2022 to 191 LIS plans in 2023.

In addition, the number of unique 2023 Medicare Part D plans that qualify for the LIS $0 premium has fallen to nine (9) prescription drug plans from eleven (11) qualifying plans in 2022 - the lowest level since the start of the Medicare Part D program.

The good news is that many states will offer the same number of Medicare Part D plans qualify for the Low-Income Subsidy (LIS) $0 premium benchmark in 2023 as compared to 2022.

Overall, thirteen (13) states will lose one (1) LIS qualifying plan option, thirty-six (36) states will continue to have the same number of options, and two (2) states will add one (1) LIS $0 premium qualifying Medicare Part D plan.

PDPs meeting LIS $0 premium 2007 to 2023

As an example of state plan changes, New Mexico will offer seven (7) LIS $0 premium qualifying 2023 Medicare Part D plans as compared to the six (6) LIS-qualifying plans in 2022.
  • The state with the smallest selection of $0-premium LIS 2023 Medicare Part D plans is...

The state with the smallest selection of 2023 Medicare Part D plans qualifying for the LIS $0 premium is New York with three (3) plans followed closely by California, Florida, and Ohio -- all offering only four (4) LIS $0-premium qualifying Medicare Part D plans.

  • The state with the largest selection of LIS-qualifying $0 premium Medicare Part D plans is...

The state offering the largest selection of $0 premium LIS plans continues to be Arizona whose residents will have eight (8) LIS plan options.

  • The state with the largest number of LIS recipients is...
The state with the most Medicare beneficiaries qualifying for the low-income subsidy (LIS or Extra Help Program) is California (almost 1.7 million “Extra Help” recipients).  In 2023, California LIS recipients will have four (4) Medicare Part D plan choices qualifying for the $0 premium (down from five (5) LIS $0 premium Part D plans in 2022). Which Medicare Part D plan providers are offering 2023 LIS-qualifying plans?

From our national stand-alone PDP-Facts page, here is a table showing a comparison of the 2022 and 2023 Medicare Part D plans qualifying for the $0 premium Low-Income Subsidy.

$0 Premium LIS Qualified stand-alone 2023 Medicare Part D Plans (as compared to 2022)

2023 LIS Qualifying Plans
Plan NamePlan ID
AARP MedicareRx Saver Plus (PDP) S5921
Banner Medicare Simple Rx (PDP) S3147
Blue Cross MedicareRx Basic (PDP) S5715
Cigna Secure Rx (PDP) S5617
Clear Spring Health Value Rx (PDP) S6946
Elixir RxSecure (PDP) S7694
Humana Basic Rx Plan (PDP) S5884
SilverScript Choice (PDP) S5601
Wellcare Classic (PDP) S4802
2022 LIS Qualifying Plans
Plan NamePlan ID
AARP MedicareRx Saver Plus (PDP) S5921
Banner Medicare Simple Rx (PDP) S3147
Blue Cross MedicareRx Basic (PDP) S5715
Blue MedicareRx Value (PDP) S6506
Cigna Secure Rx (PDP) S5617
Clear Spring Health Value Rx (PDP) S6946
Elixir RxSecure (PDP) S7694
Humana Basic Rx Plan (PDP) S5884
Humana Basic Rx Plan (PDP) S5552
SilverScript Choice (PDP) S5601
Wellcare Classic (PDP) S4802

Note:  Not all Medicare Part D plans are available in every state.  You can click the chart heading above to see plan details in California or choose your state.

Historical changes in the total number of LIS-qualifying Medicare Part D plans

Over the past few years, the number of Medicare Part D plans qualifying for the $0-premium Low-Income Subsidy stayed pretty consistent, with an average of between 14 to 16 plans each year.  However, in 2022, there was a meaningful reduction in the number of LIS-qualifying plans and 2023 follows with a further reduction.

Total LIS qualifying PDPs compared to total PDPs

A summary 2023 LIS $0 premium facts:

  • Thirty-six (36) states have no change in the number of LIS $0 premium plans being offered

  • Thirteen (13) states are losing one LIS $0 premium plan

  • Two (2) states are adding one LIS $0 premium plan

  • Arizona will continue to have the most LIS $0 premium plan options eight (8).

Question:  Which Medicare Part D plans qualify for the full Low-Income Subsidy $0 premium in my state?

Each year, insurance companies adjust their Medicare Part D plan premiums, and some Medicare Part D plans raise their premiums and move their prescription drug plans above the state low-income subsidy (LIS) benchmark limits, while other Part D plan sponsors lower their monthly premiums so that their plans can qualify for a state’s $0 premium.

This means that the number of Medicare Part D plans qualifying for the LIS $0 premium can change each year.  Click on the 2023 premium for your state in our state low-income subsidy (LIS) benchmark limits article to see qualifying plans in your state.

More on Medicare Part D Extra Help

The Medicare Part D Extra Help or the Low-Income Subsidy (LIS) is a federal program helping low-income Medicare beneficiaries pay a portion of their Medicare Part D prescription drug costs.  Based on a person’s income and financial resources, the Extra Help or LIS program pays all or part of a person’s monthly Medicare Part D plan premiums and a significant portion of the beneficiary’s medication costs.

If you qualify for the full-LIS program, you can choose a Medicare Part D plan that qualifies for your state’s $0 monthly premium or allow yourself to be automatically enrolled in a plan that qualifies for the $0 premium.  If you enroll in a Medicare Part D plan that does not qualify for the $0 premium, you will pay a portion of the premium.  If you choose your own Medicare Part D plan, the monthly premium amount you will pay is shown under the "Benefit Details" button on our Medicare Part D plan finder.

150928_LIS_premium_details2_2016.jpg
As can be seen in the above graphic, if you qualify for only "partial-LIS benefits" (such as 50% LIS), you will also only pay a portion of the plan's monthly premium.

Please note, our Medicare Part D plan finder allows you to view the premiums of a Medicare Part D plan based on whether you receive full - or partial-LIS benefits.

The PDP-Finder.com feature looks like this:

160928_LIS_PDP_Finder2.jpg
The applicable monthly premium will be shown in the search results and can be found on our "Benefit Details" page, for example:

150928_LIS_premium_details_2016.jpg
A Brief note about automatic plan reassignment and people who are "choosers"

Because of changes in the annual Medicare Part D plan premiums and state LIS benchmarks, some full low-income subsidy qualifying Medicare beneficiaries (such as people who are Medicare/Medicaid dual-eligible beneficiaries) may be automatically reassigned to new 2023 Medicare Part D plans that will still qualify for the $0 monthly premium.

However, Extra Help recipients who "chose" their own plan in the past (these beneficiaries are also referred to as "choosers") may not be auto-reassigned to a new 2023 LIS qualifying plan and may need to select a new 2023 Medicare Part D plan or Medicare Advantage plan that includes drug coverage that still meets the $0 monthly premium threshold (or pay the small monthly premium).  As reference, you can use our PDP-Finder to see LIS qualifying plans in your state.  Be sure to select "Yes, show only plans that qualify for $0 premium".  Click here to see an example for Texas.

Not sure where to begin?

For more information on Medicare Part D plans that qualify for your state's low-income $0 premium benchmark, please call Medicare toll-free at 1-800-633-4227 and speak with a Medicare representative to learn more about your Medicare Part D and Medicare Advantage plan options.