Government programs that can lower your Medicare costs — many people qualify and don't know it.
If you have limited income or resources, several government programs can dramatically lower your Medicare costs. Many people qualify and don't realize it.
Extra Help (Low-Income Subsidy / LIS): This is the biggest one for prescription costs. If you qualify, your Part D premium drops to $0, your deductible disappears, and your copays are capped at $1.60–$12 per drug. For 2026, you may qualify if your monthly income is below roughly $1,976 (single) or $2,670 (married) and your resources are under $17,600 or $35,130.
Medicare Savings Programs (MSPs): Four state-run programs that pay your Part B premium ($185/month in 2026) — and sometimes your deductibles and coinsurance too. Income limits vary by state.
Medicaid (full): If you qualify for full Medicaid, it works with Medicare to cover most costs. Income and asset limits vary by state.
Where to apply: Start at ssa.gov/extrahelp for the Extra Help program, and contact your state Medicaid office for the Savings Programs and full Medicaid. Both applications are free and take about 15 minutes.
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