Inflation Reduction Act and Medicare: Lower drug costs and expanded benefits

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Monthly insulin prescriptions for $35 or less

Enjoy monthly copays of no more than $35 for all Humana Part D plan-covered insulins. This benefit applies for all members in Medicare plans with prescription drug coverage. It applies no matter which drug tier it’s in, through all stages of your prescription drug benefit—even if you haven’t met your plan deductible—and it lasts throughout the plan year.

For all Humana members, view your Humana plan documents opens in new window to learn more.

The Inflation Reduction Act continues to lower out-of-pocket drug costs for Medicare members with prescription drug coverage

Your yearly Part D out-of-pocket costs will be capped at $2,100

In 2026, you won’t pay more than $2,100 out of pocket for prescriptions. That means after you meet the $2,100 threshold, you’ll pay $0 for plan-covered Part D drugs for the rest of the plan year.

Protect your health with $0 copays for shingles and other vaccines

All Medicare plans with prescription drug coverage will continue to cover most Part D vaccines* at no cost to members. This applies regardless of the vaccine’s drug tier and even if your plan has a deductible you haven’t yet met.

Get help managing your prescription payments with the Medicare Prescription Payment Plan

With this program, costs for covered Part D prescription drugs are spread out over the plan year. You'll pay $0 at the pharmacy. Instead, you'll receive a monthly bill from Humana showing your total balance and the amount due each month. No interest is charged on the amount due. 

While this optional program doesn't save you money or lower your drug costs, it may help you manage your prescription drugs costs over the course of your plan year. 

Lower costs for eligible Part B drugs

Humana members may pay less for certain rebatable drugs covered by Medicare Part B based on a new and lower “coinsurance” amount (your share of the Rx cost after you meet your deductible). Any decrease in your out-of-pocket cost for eligible Part B drugs will be made when you pay at the pharmacy.

Here’s the current list of eligible drugs. This list will be updated every 3 months:

Part B Drug Inflation Rebates – October 2025 – English pdf opens in new window

Part B Drug Inflation Rebates – October 2025 – Spanish pdf opens in new window

Previous rebate lists:

July 2025 – English pdf opens in new window   

July 2025 – Spanish pdf opens in new window

April 2025 – English pdf opens in new window

April 2025 – Spanish pdf opens in new window

January 2025 – English pdf opens in new window

January 2025 – Spanish pdf opens in new window

October 2024 – English pdf opens in new window   

October 2024 – Spanish pdf opens in new window

July 2024 – English pdf opens in new window

July 2024 – Spanish pdf opens in new window

(Please note that these changes do not apply to Medicare Part D prescription drug coverage.)  

*Applies to Humana-covered Part D vaccines listed on the Advisory Committee on Immunization Practices (ACIP) list. Restrictions based on age and vaccine availability may apply. Learn more about the Centers for Disease Control and Prevention’s (CDC) ACIP vaccine recommendations opens in new window .