Medicare costs at a glance, 2026
What Original Medicare and Part D cost in 2026: the Part B premium and deductible, the Part A hospital deductible and daily coinsurance, the Part D deductible and out-of-pocket threshold, and the income-related surcharges. Every figure comes from CMS or Medicare.gov.
- Part B: the standard premium is $202.90 a month in 2026 (up from $185.00) and the yearly deductible is $283. After the deductible you usually pay 20% of the cost of each covered service.
- Part A: about 99% of beneficiaries pay no Part A premium (CMS). The inpatient hospital deductible is $1,736 per benefit period.
- Part D: no plan may have a deductible above $615 in 2026, and catastrophic coverage begins after $2,100 of out-of-pocket drug spending.
- Higher incomes pay more: with modified adjusted gross income above $109,000 (single) or $218,000 (joint), the Part B premium rises in steps to as much as $689.90 a month.
- Medicare Advantage and Medigap premiums vary by plan and are not in this table.
Last verified October 22, 2026 against the CMS fact sheet and Medicare.gov. We do not recommend a plan or a company.
Part A and Part B costs in 2026
CMS released the 2026 Part A and Part B amounts on November 14, 2025. Part A covers inpatient hospital, skilled nursing facility, hospice, inpatient rehabilitation and some home health care. Part B covers physicians’ services, outpatient hospital services, certain home health services, durable medical equipment and some other services. Click a column heading to sort.
| Part | Cost | 2025 | 2026 | Source |
|---|---|---|---|---|
| Part A | Part A inpatient hospital deductible (per benefit period) | $1,676 | $1,736 | CMS fact sheet, Nov 14, 2025 |
| Part A | Part A hospital coinsurance, days 61-90 (per day) | $419 | $434 | CMS fact sheet, Nov 14, 2025 |
| Part A | Part A hospital coinsurance, lifetime reserve days (per day) | $838 | $868 | CMS fact sheet, Nov 14, 2025 |
| Part A | Skilled nursing facility coinsurance, days 21-100 (per day) | $209.50 | $217 | CMS fact sheet, Nov 14, 2025 |
| Part A | Part A premium, 30 to 39 quarters of coverage (per month) | $285 | $311 | CMS fact sheet, Nov 14, 2025 |
| Part A | Part A premium, fewer than 30 quarters (per month) | $518 | $565 | CMS fact sheet, Nov 14, 2025 |
| Part B | Part B standard monthly premium | $185.00 | $202.90 | CMS fact sheet, Nov 14, 2025 |
| Part B | Part B annual deductible | $257 | $283 | CMS fact sheet, Nov 14, 2025 |
| Part B | Part B immunosuppressive drug premium (per month) | — | $121.60 | CMS fact sheet, Nov 14, 2025 |
| Part D | Part D maximum plan deductible | — | $615 | Medicare.gov, Part D costs |
| Part D | Part D annual out-of-pocket threshold (catastrophic phase begins after) | — | $2,100 | Medicare.gov, Part D costs |
| Part D | Part D national base beneficiary premium (late-penalty base) | — | $38.99 | Medicare.gov, Part D costs |
CMS says roughly 99% of beneficiaries have no Part A premium because they have at least 40 quarters of Medicare-covered employment, as determined by the Social Security Administration. People with 30 to 39 quarters can buy in at the reduced rate, and people with fewer than 30 quarters pay the full premium. Medicare.gov states Part B coinsurance is usually 20% of the cost of each Medicare-covered service or item after you pay the deductible. The 2025 Part A premiums in the table are the 2026 amounts less the increases CMS states ($26 and $47).
Part D drug coverage in 2026
Part D premiums vary by plan, so there is no single figure. Medicare.gov says no Medicare drug plan may have a deductible above $615 in 2026, and some plans have none. It states that out-of-pocket spending on covered Part D drugs reaching $2,100 in 2026 moves you into the catastrophic phase, and CMS's 2026 Rate Announcement says there is no cost sharing for enrollees in the catastrophic phase. Medicare.gov also gives the national base beneficiary premium, $38.99 in 2026, which is used to calculate the late enrollment penalty (1% times that amount times the number of full uncovered months).
Higher-income surcharges (IRMAA)
CMS says income-related adjustments affect roughly 8% of people with Medicare Part B. The table below is CMS's 2026 schedule for full Part B coverage and Part D. Married people who lived with a spouse and file separately have their own, shorter schedule on the CMS fact sheet. The Part D amount is paid on top of your plan premium. For the full tables and how the income look-back works, see our Medicare IRMAA brackets page, and to estimate your own total use the Medicare cost calculator.
| Individual return, MAGI | Joint return, MAGI | Part B extra per month | Part B total per month | Part D extra per month |
|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 | $0.00 |
| Over $109,000 to $137,000 | Over $218,000 to $274,000 | $81.20 | $284.10 | $14.50 |
| Over $137,000 to $171,000 | Over $274,000 to $342,000 | $202.90 | $405.80 | $37.50 |
| Over $171,000 to $205,000 | Over $342,000 to $410,000 | $324.60 | $527.50 | $60.40 |
| Over $205,000 to under $500,000 | Over $410,000 to under $750,000 | $446.30 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $487.00 | $689.90 | $91.00 |
What is not in these tables
- Medicare Advantage and Medigap premiums vary by plan, county and insurer. See how Medicare Advantage plans work.
- Part D premiums and copays vary by plan and pharmacy.
Free help
Contact your State Health Insurance Assistance Program (SHIP) for free, unbiased counseling, or call 1-800-MEDICARE (1-800-633-4227). Your Area Agency on Aging can point you to local help. See also when to enroll in Medicare.
Method
Amounts were read from the CMS fact sheet and the Medicare.gov pages named in the cite box on October 22, 2026, each figure checked against two reads. Where a figure is on only one page we say so in the Source column. Figures not published on those pages are left out. Medicare amounts change every year; verify at Medicare.gov before you decide.
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Primary sources
- CMS: 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, Nov 14, 2025) — Part A and B amounts, Part B and Part D income-related amounts
- Medicare.gov: What does Medicare cost? — Part A premiums, Part B coinsurance, Part D out-of-pocket amount
- Medicare.gov: Costs for Medicare drug coverage — Part D deductible, out-of-pocket threshold, national base beneficiary premium
- CMS: 2026 Medicare Advantage and Part D Rate Announcement — $2,100 out-of-pocket threshold (second read)
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