The Centers for Medicare & Medicaid Services has released the 2026 premiums, deductibles and coinsurance amounts for Medicare Part A and Part B, along with the 2026 income-related monthly adjustment amounts for Part B and Part D.
Part B premium and deductible
The standard monthly premium for Medicare Part B is $202.90 in 2026, an increase of $17.90 from $185.00 in 2025. The annual Part B deductible is $283 in 2026, an increase of $26 from $257 in 2025.
Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment and other medical services not covered by Part A.
Part A deductible and coinsurance
Most people do not pay a premium for Part A because they or a spouse paid Medicare taxes for at least 40 quarters. Part A still carries cost sharing:
| 2026 Part A cost | Amount | 2025 amount |
|---|---|---|
| Inpatient hospital deductible, per benefit period | $1,736 | $1,676 |
| Coinsurance, days 61 to 90 | $434 per day | $419 per day |
| Coinsurance, lifetime reserve days | $868 per day | $838 per day |
| Skilled nursing facility coinsurance, days 21 to 100 | $217.00 per day | $209.50 per day |
The Part A deductible applies per benefit period, not per year, so you can owe it more than once in a calendar year.
Part A premiums for people without enough work credits
People with 30 to 39 quarters of coverage may buy into Part A at $311 per month in 2026, a $26 increase from 2025. People with fewer than 30 quarters pay the full premium of $565 per month, a $47 increase.
Immunosuppressive drug benefit
The Part B immunosuppressive drug benefit, which covers only immunosuppressive drugs for certain people after a kidney transplant, has a standard premium of $121.60 per month in 2026.
2026 income-related monthly adjustment amounts
If your income is above the threshold, you pay an income-related monthly adjustment amount, or IRMAA, on top of your Part B and Part D premiums. Social Security bases the 2026 determination on the income you reported on your 2024 tax return.
| Individual return | Joint return | Part B IRMAA | Total Part B premium | Part D IRMAA |
|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 | $0.00 |
| Above $109,000 up to $137,000 | Above $218,000 up to $274,000 | $81.20 | $284.10 | $14.50 |
| Above $137,000 up to $171,000 | Above $274,000 up to $342,000 | $202.90 | $405.80 | $37.50 |
| Above $171,000 up to $205,000 | Above $342,000 up to $410,000 | $324.60 | $527.50 | $60.40 |
| Above $205,000 and less than $500,000 | Above $410,000 and less than $750,000 | $446.30 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $487.00 | $689.90 | $91.00 |
The Part D amount is added to whatever your drug plan charges. If your income has dropped because of a life-changing event such as retirement or the death of a spouse, you can ask Social Security to use more recent income instead.
Talk to a licensed iHealthAgents advisor
We can walk you through what these amounts mean for your own coverage and compare every plan available where you live.
Book a time with a licensed advisor, or call Illinois 312-726-6565 or Texas 972-666-0578.
This article is for educational purposes only and is not a substitute for advice about your specific situation. Figures shown are the 2026 amounts published by the Centers for Medicare & Medicaid Services.
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