If you’re feeling overwhelmed by the 2026 Medicare changes, you’re not alone. Rising costs, shifting benefits, and strict enrollment rules make it harder than ever to choose the right coverage. That’s where working with a 2026 Medicare broker in Fullerton can make all the difference. A trusted broker helps you avoid costly mistakes, compare dozens of plans, and ensure your coverage fits both your health and your budget.
Skyline Benefit is an independent Medicare insurance broker in Fullerton specializing in helping seniors nationwide make confident, stress-free choices about their health coverage — always at no extra cost to you.
How Much Will Medicare Part B Cost in 2026?
The standard Part B premium is projected to increase from $174.70 in 2025 to about $206.50 in 2026. Higher-income beneficiaries will pay more through the Income-Related Monthly Adjustment Amount (IRMAA).
What’s the Medicare Part D Out-of-Pocket Cap in 2026?
For the first time, prescription drug spending is capped at $2,100 in 2026, a slight increase from $2,000 in 2025. Once you reach the cap, covered prescriptions will cost $0 for the remainder of the year.
Will Payment Plans for Prescriptions Continue?
Yes. If you use the Medicare Prescription Payment Plan (MPPP) to spread costs monthly, you’ll be automatically re-enrolled in 2026 unless you opt out. This makes budgeting easier for seniors with high drug costs.
What’s Changing for Medicare Advantage Plans in 2026?
Medicare Advantage plans will face stricter rules on supplemental “extra” benefits. Starting in 2026, carriers will no longer be allowed to cover perks such as funeral planning, cosmetic services, or non-medical insurance. Plans will focus more on medically necessary care and preventive services.
Why Work With a 2026 Medicare broker in Fullerton?
Trying to manage these changes alone can be overwhelming. A Medicare insurance broker works directly with you to:
- Compare Plans Side by Side – Medicare Advantage, Medigap, and Part D.
- Maximize Your Benefits – Ensure you don’t miss out on subsidies or discounts.
- Avoid Penalties – Guidance on IRMAA, late enrollment fees, and Part D rules.
- Simplify Enrollment – We handle the paperwork and deadlines for you.
Best of all, working with an independent broker like Skyline Benefit costs you nothing.
When Is Medicare Open Enrollment for 2026?
The 2026 Medicare Open Enrollment period runs from October 15 to December 7, 2025. During this window, you can:
- Switch between Original Medicare and Medicare Advantage.
- Change Medicare Advantage plans.
- Join, drop, or switch Part D prescription drug coverage.
Changes you make take effect on January 1, 2026. Missing this period could leave you stuck with a plan that doesn’t fit your needs — or worse, facing penalties.
Need Help With a 2026 Medicare broker in Fullerton?
Skyline Benefit is an independent Medicare insurance broker in Fullerton. Whether you’re new to Medicare or just looking to adjust your coverage for 2026, we’ll help you compare options, avoid penalties, and choose the plan that fits your life.
Schedule a consultation today. Call us at: (714) 888-5112