The law’s new $2,000 out-of-pocket spending cap for prescription drugs is expected to save most affected enrollees an average of $2,474, representing a 48% reduction in their overall spending, including premiums and cost sharing, according to the report published by AARP.
The analysis, which incorporates 2025 Part D plan premium data, estimates that 94% of enrollees expected to reach the $2,000 cap will benefit from these savings. More than 60% of these individuals will save more than $1,000, while about 12% will save more than $5,000.
Although recent changes to Part D premiums have raised concerns, the savings from lower cost sharing more than offset the premium increases for most enrollees, according to the report.
