2026 Medicare Costs: Premiums, Deductibles & What You’ll Actually Pay
All the official 2026 Medicare cost figures in one place — Part A, Part B, and what affects your premium if you have higher income.
Part A Costs (Hospital Insurance)
| Cost Item | 2026 Amount |
|---|---|
| Part A premium (most people) | $0/month |
| Part A premium (30–39 work quarters) | $285/month |
| Part A premium (under 30 work quarters) | $518/month |
| Inpatient hospital deductible (per benefit period) | $1,676 |
| Hospital coinsurance, days 61–90 | $419/day |
| Hospital coinsurance, days 91+ (lifetime reserve) | $838/day |
| Skilled nursing facility coinsurance, days 21–100 | $209.50/day |
Part B Costs (Medical Insurance)
| Cost Item | 2026 Amount |
|---|---|
| Standard Part B monthly premium | $185.00/month |
| Annual Part B deductible | $257 |
| Part B coinsurance (most services after deductible) | 20% |
IRMAA: Higher Premiums for Higher Incomes
If your income exceeds certain thresholds, you pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of the standard Part B (and Part D) premium. IRMAA is based on your tax return from 2 years prior.
| 2024 Individual Income | 2024 Joint Income | 2026 Part B Monthly Premium |
|---|---|---|
| Up to $106,000 | Up to $212,000 | $185.00 |
| $106,001–$133,000 | $212,001–$266,000 | $259.00 |
| $133,001–$167,000 | $266,001–$334,000 | $370.00 |
| $167,001–$200,000 | $334,001–$400,000 | $480.90 |
| $200,001–$499,999 | $400,001–$749,999 | $591.90 |
| $500,000+ | $750,000+ | $628.90 |
Had a one-time income spike? If your income was unusually high in a prior year due to a Roth conversion, home sale, or other one-time event, you can appeal your IRMAA determination using Form SSA-44. We can walk you through that process.
Part D Costs
| Cost Item | 2026 Amount |
|---|---|
| Average monthly premium | Varies by plan (~$30–$80) |
| Maximum annual deductible | $590 |
| Out-of-pocket cap (new in 2025) | $2,000 |
| Late enrollment penalty | 1% per month without coverage |
Medicare costs are updated annually by CMS. Figures on this page reflect 2026 amounts. IRMAA brackets are based on 2024 tax returns (2 years prior) and are adjusted for inflation annually.
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