Medicare costs change every year. Here are the confirmed 2026 figures for Part A, Part B, and Part D — including premiums, deductibles, and what you pay when you use care.
Part A Costs in 2026
Most people pay $0 for Part A if they or their spouse worked at least 10 years (40 quarters) paying Medicare taxes.
If you don’t qualify for premium-free Part A, you’ll pay up to $518 per month in 2026 (for those with fewer than 30 work quarters) or $284 per month (for those with 30–39 work quarters).
Part A deductible in 2026: $1,676 per benefit period. This is not an annual deductible — it resets each time you have a new benefit period (a new illness or condition after being out of the hospital for 60 consecutive days).
Hospital coinsurance: Days 1–60 are covered after the deductible. Days 61–90 cost $419/day. Lifetime reserve days (beyond 90) cost $838/day.
Part B Costs in 2026
Standard Part B premium: $185.00/month in 2026. If your income is above $106,000 (individual) or $212,000 (joint), you’ll pay more through the IRMAA surcharge — see our IRMAA guide for details.
Part B deductible: $257 in 2026. After that, you pay 20% of the Medicare-approved amount for most covered services. There is no out-of-pocket cap on this 20% unless you have a Medigap plan.
Part D Costs in 2026
Part D premiums vary by plan and region but average around $40–$60/month. The big news for 2026: the out-of-pocket cap for prescription drugs is $2,000 per year. Once you’ve paid that much in covered drug costs, your plan covers the rest for the remainder of the year.
The standard Part D deductible is up to $590 in 2026, though many plans charge less.
Medicare Advantage Costs
Medicare Advantage plan costs vary widely. Many have $0 premiums beyond the Part B premium, but you’ll face copays, coinsurance, and network restrictions when you use care. The maximum out-of-pocket limit for in-network services in 2026 is $9,350 for HMO/PPO plans.
Medigap Costs
Medigap premiums are set by private insurers and vary based on plan type, age, gender, tobacco use, and location. Plan G — the most comprehensive plan available to new enrollees — typically ranges from $100 to $300+ per month. In exchange, you have minimal out-of-pocket costs when you use healthcare.
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