Home » Federal benefits » Extra Help (Part D Low-Income Subsidy)
Who qualifies
Medicare beneficiaries earning under about $23,475 single / $31,725 couple (2026, 150% of FPL). Asset limits also apply but are generous.
What you get
Cuts your Medicare Part D premium and deductible to $0 (full subsidy) and caps drug copays at a few dollars per prescription. Worth roughly $5,900/year.
Tips that matter
Since 2024 there's only one full-subsidy tier (no more partial subsidy). If you qualify for Medicaid, SSI, or an MSP, you get Extra Help automatically.
How to apply
Apply at ssa.gov/extrahelp or call 1-800-772-1213.
State-level help on top of this
Most states layer their own programs on top of this federal one — pharmacy assistance, property tax relief, state Medicaid waivers. Pick your state to see what's available where you live.