Medicare Costs in 2026

Here's what Medicare actually costs in 2026, in plain language. Your total depends on which coverage you choose, but these are the figures that drive it. Use the estimator further down to see your own Part B and Part D amounts based on income.

Part A costs

Most people pay no premium for Part A. The cost comes when you're hospitalized: a $1,736 deductible per benefit period in 2026, then $0 for days 1–60, $434 a day for days 61–90, and $868 a day for lifetime reserve days. Skilled nursing facility care is $0 for days 1–20 and $217 a day for days 21–100 after a qualifying stay.

Part B costs

The standard Part B premium is $202.90 a month, with a $283 annual deductible. After the deductible, you typically pay 20% of the Medicare-approved amount for covered services, with no annual cap under Original Medicare alone.

Part D costs

Part D premiums vary by plan. What's new and important for 2026: your out-of-pocket spending on covered drugs is capped at $2,100, the old coverage gap ("donut hole") is gone, and a plan's deductible can be no higher than $615. You can also spread costs over the year through the Medicare Prescription Payment Plan.

Medicare Advantage costs

Many Medicare Advantage plans have a low or $0 monthly premium — though you still pay your Part B premium. Instead of coinsurance you usually pay set copays, and the plan caps your in-network medical costs at no more than $9,250 in 2026. Drugs and extras like dental or vision are often included.

Medicare Supplement costs

A Medicare Supplement adds a monthly premium that varies by plan letter, age, location, and insurer. In exchange, it covers most of Original Medicare's deductibles and coinsurance, making your costs low and predictable. Plan F is closed to people who became eligible on or after January 1, 2020; Plan G and Plan N are the popular choices for newer enrollees.

Income surcharge (IRMAA)

If your income is above $109,000 (individual) or $218,000 (joint), you'll pay an income-related surcharge on top of your Part B and Part D premiums, based on your tax return from two years earlier. The surcharge steps up in tiers and the brackets are cliffs. The estimator below shows your exact 2026 amount.