I don’t take any prescriptions. Is there a reason not to pick the cheapest Part D plan?

A low-premium plan can be a reasonable starting point if you don’t take any prescriptions. Medicare itself suggests considering one when current drug costs are low. It keeps you covered if your needs change.

Still check the deductible, which pharmacies you can use, and the plan’s covered-drug list, called its formulary. A low premium does not mean every future prescription will be covered. Paying a higher premium doesn’t guarantee that either.

If you’re considering skipping drug coverage entirely, check whether you have other creditable drug coverage. Going 63 days or more without it after your enrollment period can lead to a continuing late-enrollment penalty, and you may have to wait for an enrollment period to join.

Compare the options for your area, then review them again each fall or when you have another opportunity to change plans.