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Medicare Costs 2026: A Full Breakdown
Part A (hospital insurance) costs in 2026
| Premium | $0 for most people (if you or your spouse worked about 10 years) |
| Inpatient hospital deductible | $1,736 per benefit period |
| Hospital days 61 to 90 | $434 per day |
| Lifetime reserve days | $868 per day |
| Skilled nursing facility days 21 to 100 | $217 per day |
Part B (medical insurance) costs in 2026
| Standard monthly premium | $202.90 (higher with IRMAA) |
| Yearly deductible | $283 |
| Coinsurance | Usually 20% of the Medicare-approved amount after the deductible, with no yearly limit in Original Medicare |
Part D (drug coverage) costs in 2026
| Premium | Varies by plan |
| Maximum deductible | $615 |
| Initial coverage | Generally 25% coinsurance |
| Out-of-pocket cap | $2,100, then $0 for covered drugs |
| Late penalty base | $38.99 national base beneficiary premium |
Medigap and Medicare Advantage
- High-deductible Medigap Plans F and G: $2,950 deductible in 2026.
- Medigap Plan K out-of-pocket limit: $8,000; Plan L: $4,000.
- Medicare Advantage: each plan sets its own premium and yearly out-of-pocket limit; compare plans in your area.
Help with costs
See Medicare Savings Programs and Extra Help.
Sources: CMS 2026 Parts A & B; Medicare.gov Part D costs; Medicare.gov Medigap benefits.
Frequently asked questions
How much is Medicare Part B in 2026?
The standard Part B premium is $202.90 a month in 2026, with a $283 yearly deductible. Higher-income people pay more.
What is the Medicare Part A deductible for 2026?
$1,736 per benefit period.
What is the Part D out-of-pocket maximum in 2026?
$2,100. After your out-of-pocket costs for covered drugs reach that amount, you pay $0 for covered drugs for the rest of the year.
Does Original Medicare have an out-of-pocket limit?
No. Original Medicare has no yearly limit on your 20% coinsurance, which is why many people add a Medigap policy or choose Medicare Advantage.
Talk with a licensed agent
Questions about your Medicare options? Call 1-844-438-6284 (TTY 711) or request a free, no-obligation quote. We do not offer every plan available in your area.
Sources for 2026 figures: CMS 2026 Medicare Parts A & B Premiums and Deductibles; Medicare.gov: Medicare costs; Medicare.gov: Part D costs. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).