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Plain-language answers to the questions that actually save people money.
Saving money
How to Lower Your Medicare Costs in 2026
Six legitimate, government-run ways to cut what you pay for Medicare in 2026 — from Extra Help to the Medicare Savings Programs — and exactly how to apply for each.
Extra HelpWhat Is Extra Help? 2026 Income Limits & How to Apply
Extra Help (the Part D Low-Income Subsidy) cuts Medicare prescription costs to near zero — about $5,700/year in value. See the 2026 income and resource limits and how to apply.
Savings ProgramsMedicare Savings Programs (QMB, SLMB, QI): 2026 Limits Explained
The Medicare Savings Programs pay your Part B premium — and QMB also covers deductibles and copays. Here are the 2026 income limits and how to apply in your state.
By stateStates With No Asset Test for Medicare Savings Programs (2026)
Fourteen states plus D.C. have removed the asset test for Medicare Savings Programs — meaning only your income counts. See the full 2026 list.