The new law offers special help to one-third of older Americans will low incomes, such as a senior couple with low savings and an annual income of about $18,000 or less. These seniors will pay little or no premium for full drug coverage. Their deductible will be no higher than $50 per year, and their co-payment on each prescription will be as little as $1. Seniors in the greatest need will have the greatest help under the modernized Medicare system.