Our preliminary analysis of the Medicare Part D prescription drug plan (PDP) landscape shows 23% fewer 2026 stand-alone Medicare Part D PDP options and the total number of 2026 PDPs qualifying for the Low-Income Subsidy (LIS) $0 premium will also decrease to a historic low.
The total number of stand-alone 2026 Medicare Part D prescription drug plans across the country (exluding the U.S. territories) will decrease 31% to 360 Medicare PDPs from 524 PDPs currently offered in 2025. The total number of PDPs offered across the country is the lowest since the 2006 start of the Medicare Part D program. In addition, the total number of $0 premium LIS-qualifying PDPs decreased to its lowest level in 2026 (see chart below) from 115 qualifying plans in 2025 to 88 LIS $0 premium plans in 2026.
In fact, 26 states will offer the same number or more $0 premium LIS-qualifying 2026 drug plan options as compared to 2025.
Number of unique 2026 $0 premium LIS Part D plans decreases, although two states will still gain $0 premium LIS plan options.
The number of unique 2026 Medicare Part D plans that qualify for the LIS $0 premium will decrease to eight (8) prescription drug plans from the ten (10) Part D plans available in both 2025.
Unfortunately, 25 states will lose one or more Medicare Part D plans qualify for the Low-Income Subsidy (LIS) $0 premium benchmark in 2026 as compared to 2025. Overall, twenty-four (24) states will continue to have the same number of options, eightteen (18) states will lose one (1) LIS qualifying plan option, six (6) states will lose two (2) LIS qualifying plan options and New Jersey will lose three (3) LIS qualifying plan options.
As an example of state plan changes, Louisiana will offer only two (2) LIS $0 premium qualifying 2026 Medicare Part D plans as compared to the four (4) LIS-qualifying plans in 2025.
- The states with the smallest selection of $0-premium LIS 2026 Medicare Part D plans include...
The states with the smallest selection of 2026 Medicare Part D plans qualifying for the
LIS $0 premium are
Florida and
Texas,
-- each offering only one (1) LIS $0-premium qualifying Medicare Part D plans.
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The states with the largest selection of LIS-qualifying $0 premium Medicare Part D plans are...
The state offering the largest selection of $0 premium LIS plans is Connecticut, Hawaii, Iowa, Kansas, Massachusetts, Minnesota, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, Wisconsin, and Wyoming, -- each offering their residents four (4) LIS plan options.
- The state with the largest number of LIS recipients is...
From our national stand-alone PDP-Facts page, here is a table showing a comparison of the nine 2025 and ten 2026 Medicare Part D plans qualifying for the $0 premium Low-Income Subsidy. 2025 $0 premium LIS qualifying plans no longer available in 2026 are highlighted in green. Medicare Part D plans now offering $0 premium LIS plans in 2026 are highlighted in yellow.
$0 Premium LIS Qualified stand-alone 2026 Medicare Part D Plans (as compared to 2025)
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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 (as an example state) or choose your state from the on the CA page.
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 somewhat consistent, averaging between 14 to 16 plans each year.
However, in 2022 and 2023, there was a meaningful reduction in the number of LIS-qualifying plans -
and 2026 follows with a further reduction to the historically lowest total number of LIS $0 premium plans (although an increase in the number of unique $0 premium LIS plans).
- twenty-four (24) states have no change in the number of LIS $0 premium plans being offered,
- Eighteen (18) states are losing one LIS $0 premium plan,
- Six (6) states are losing two (2) LIS $0 premium plans,
- New Jersey will
lose three (3) LIS $0 premium plans,
- Alaska and
Hawaii will
gain one (1) LIS $0 premium plans, and
- Connecticut, Hawaii, Iowa, Kansas, Massachusetts, Minnesota, Montana, Nebraska, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, Wisconsin, and Wyoming, will have the most LIS $0 premium plan options each offer four (4) plans.
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 2026 premium for your state in our state low-income subsidy (LIS) benchmark limits article to see qualifying plans in your state. More on the Medicare Part D Extra Help or Low-Income Subsidy (LIS) program
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. The Extra Help or LIS program pays the beneficiary’s monthly Medicare Part D plan premiums and a significant portion of the beneficiary’s medication costs.
If you qualify for the 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.
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 LIS benefits.
The PDP-Finder.com feature looks like this:
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 low-income subsidy qualifying Medicare beneficiaries (such as people who are
Medicare/Medicaid dual-eligible beneficiaries) may be automatically reassigned to new
2026 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
2026 LIS qualifying plan and may need to select a new
2026 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.