Medicare changes in 2026 include automatic renewal of the Medicare Prescription Payment Plan, a $2,100 cap on out-of-pocket prescription drug costs, and a $615 maximum Part D deductible. Limits on supplemental benefits in Medicare Advantage plans are tightened. Insulin cost caps apply annually, and the free vaccine list is updated. AI-assisted prior authorization begins in six states. Medicare Advantage out-of-pocket maximum decreases to $9,250. Medicare will cover GLP-1 weight loss drugs with reduced copays.