Kentuckians enrolled in Medicare are being urged to review their health coverage before the upcoming Open Enrollment deadline on December 7. With several changes to Medicare costs and benefits in 2026, experts say it’s especially important to ensure plans still meet both health needs and budget.
This year, premiums and deductibles are increasing across major Medicare components. The standard Part B premium will rise by 9.7% to $202.90 per month, and the Part B deductible will increase by 10.1% to $283. Prescription drug coverage will also see a jump, with the Part D deductible set at $615, a 12.7% increase.
In addition to higher out-of-pocket costs, Kentuckians may notice other changes: many Medicare Advantage and Part D plans are trimming supplemental benefits such as transportation, grocery assistance, or dental services. Some providers are also reducing network sizes or leaving certain markets, which may affect access to preferred doctors or pharmacies.
Advocates warn beneficiaries not to assume last year’s plan will remain the same.
“Even if the plan name looks familiar, coverage may be very different in 2026,” said Medicare counselors who are assisting residents through community agencies. “It’s important to compare all current options before the deadline.”
Anyone unsure about their coverage is encouraged to seek free help through Medicare assistance programs, including local SHIP counselors, senior centers, and online comparison tools. Reviewing plan networks, monthly costs, and covered benefits now could prevent surprises and higher expenses later.
Open Enrollment closes Thursday, December 7. After that, most beneficiaries will be locked into their plan until next year
