The donut hole begins after you and your Part D insurance company have together spent $4,130 (2021 amount) for covered prescription drugs. If you have a deductible, the entire amount you pay for the deductible will contribute towards reaching the $4,130 limit that will put you in the donut hole. If your Part D plan does not have a deductible, the amount both you and the Part D insurance company pay that will put you in the donut hole is still $4,130. The only thing that changes is how much you pay and how much the Part D plan pays to reach the $4,130 limit that will put you in the donut hole.