If you already have a Medicare Advantage plan in Texas, this is urgent: your plan and your costs will change in 2026, even if you do absolutely nothing. Every September a letter arrives (the well-known ANOC) that many people ignore. Here I explain the 5 changes that will affect your wallet and how to prepare before the Annual Enrollment Period (AEP) begins.

1. The New Part D Catastrophic Cap ($2,100): For the first time, there is a maximum yearly limit of $2,100 on your prescription drugs. Once you reach it, you pay nothing more.

2. Higher Part B Premium: The standard premium deducted from your Social Security check goes up to $202.90 per month.

3. The MOOP (Maximum Out of Pocket): The ceiling on your out-of-pocket costs. Although the federal limit is $9,250, in areas like Houston there are plans with much lower caps ($3,000 - $4,000). Warning: this only applies if you stay within your plan’s network.

4. Network and Formulary Updates: Your current doctors could leave the network in 2026, or your medications could stop being covered. Check your ANOC!

5. The M3P Program (Medicare Prescription Payment Plan): The best-kept secret. If you take expensive medications, you can now spread the cost into interest-free monthly payments throughout the year, instead of paying hundreds of dollars all at once in January.

What Is the AEP and Why Does It Matter?

The AEP (Annual Enrollment Period) runs from October 15 to December 7. It is your one window each year to adjust your plan to these new changes. Don’t miss the deadline!

Got the Letter and Not Sure What It Says?

Don’t make decisions blindly. Mario Cruz will review your case and explain clearly how these changes affect you.