Home2026 Medicare Costs
2026 Medicare Premiums & Deductibles
Official 2026 Medicare costs for Part A, Part B, and Part D — including IRMAA income-based adjustments.
Original Medicare Costs at a Glance
Part AHospital Insurance
Premium
$0
Deductible
$1,736
Premium is $0 for most people. Deductible is per benefit period.
Part BMedical Insurance
Premium
$202.90/mo
Deductible
$283
Standard premium. Higher incomes pay more (IRMAA). Deductible is annual.
Part D – Prescription Drug Coverage
Max Deductible
$615
Some plans have $0 deductible
Out-of-Pocket Cap
$2,100
New for 2026 — once reached, you pay $0 for covered drugs
IRMAA – Part B Premiums (2026)
Based on your 2024 federal tax return (2-year look-back). Consult a tax professional to estimate your MAGI.
| Individual Return | Joint Return | Married/Separate | Monthly Premium |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $109,000 or less | $202.90 / Month |
| $109,001 – $137,000 | $218,001 – $274,000 | N/A | $284.10 / Month |
| $137,001 – $171,000 | $274,001 – $342,000 | N/A | $405.80 / Month |
| $171,001 – $205,000 | $342,001 – $410,000 | N/A | $527.50 / Month |
| $205,001 – $500,000 | $410,001 – $750,000 | $109,001 – $391,000 | $649.20 / Month |
| $500,001 or above | $750,001 or above | $391,001 or above | $689.90 / Month |
IRMAA – Part D Premiums (2026)
YPP = Your Plan Premium. The IRMAA amount is added on top of your plan's monthly premium.
| Individual Return | Joint Return | Married/Separate | Monthly Premium |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $109,000 or less | Your plan premium |
| $109,001 – $137,000 | $218,001 – $274,000 | N/A | $14.50 + YPP |
| $137,001 – $171,000 | $274,001 – $342,000 | N/A | $37.50 + YPP |
| $171,001 – $205,000 | $342,001 – $410,000 | N/A | $60.40 + YPP |
| $205,001 – $500,000 | $410,001 – $750,000 | $109,001 – $391,000 | $83.30 + YPP |
| $500,001 or above | $750,001 or above | $391,001 or above | $91.00 + YPP |
Last reviewed: May 2026. Information is updated annually and may not reflect mid-year changes. Verify current details at Medicare.gov or by calling Fred at 763.292.9837.