Tools · 2026 figures
2026 Medicare costs & IRMAA
The current-year premiums and deductibles, the full income-surcharge chart, and free calculators to estimate your IRMAA and any late-enrollment penalties.
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Medicare's costs change every year, so here are the current 2026 figures, the full income-related surcharge (IRMAA) chart, and a few simple calculators. These are estimates to help you plan — your official amounts come from Social Security and Medicare. We refresh this page every year.
2026 Original Medicare costs
| Item | 2026 amount |
|---|---|
| Part B standard premium | $202.90 / month |
| Part B annual deductible | $283 |
| Part A hospital deductible | $1,736 per benefit period |
| Part A coinsurance, days 61–90 | $434 / day |
| Part A coinsurance, lifetime reserve days | $868 / day |
| Skilled nursing coinsurance, days 21–100 | $217 / day |
| Part D maximum deductible | $615 |
| Part D out-of-pocket cap | $2,100 / year |
| Part D national base beneficiary premium | $38.99 (used for penalties) |
Most people pay $0 for Part A because they paid Medicare taxes while working. Part D and Medicare Advantage plan premiums vary by plan.
2026 IRMAA: what higher earners pay
If your income is above the thresholds below, you pay an income-related surcharge on top of your Part B and Part D premiums. Your 2026 IRMAA is based on the income (MAGI) from your 2024 tax return. IRMAA is a cliff: going $1 over a threshold moves you into the whole next tier.
| Single filer (2024 MAGI) | Married filing jointly | Part B total / month | Part D surcharge / month |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 |
| $109,001–$137,000 | $218,001–$274,000 | $284.10 | +$14.50 |
| $137,001–$171,000 | $274,001–$342,000 | $405.80 | +$37.50 |
| $171,001–$205,000 | $342,001–$410,000 | $527.50 | +$60.40 |
| $205,001–$499,999 | $410,001–$749,999 | $649.20 | +$83.30 |
| $500,000 or more | $750,000 or more | $689.90 | +$91.00 |
Married filing separately uses a compressed two-tier structure with a single threshold at $109,000 — if that's you, call us and we'll walk through it.
Estimate your numbers
These calculators are estimates using published 2026 figures. They store nothing. For your official amount, see Medicare.gov or contact Social Security.
1. IRMAA estimator
2. Part B late-enrollment penalty
10% is added for each full 12 months you could have had Part B but didn't (and lacked other qualifying coverage). The penalty generally lasts as long as you have Part B.
3. Part D late-enrollment penalty
Roughly 1% of the national base premium ($38.99 in 2026) for each full month you went without creditable drug coverage. It's added to your Part D premium and recalculated each year.
Estimates only, for planning. Your official premiums and any penalty are set by Social Security and Medicare. Want help reading your own numbers or appealing an IRMAA determination (Form SSA-44)? Call (770) 285-5174.
Good to know
Frequently asked questions
What is the standard Medicare Part B premium for 2026?
The standard Part B premium is $202.90 per month in 2026, with a $283 annual deductible. Higher-income beneficiaries pay more through IRMAA.
What is IRMAA?
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to your Part B and Part D premiums if your income is above certain thresholds. For 2026 it's based on your 2024 tax return and starts above $109,000 (single) or $218,000 (joint).
What is the Part D out-of-pocket cap in 2026?
$2,100. Once your spending on covered drugs reaches that amount in 2026, you pay nothing more for covered medications for the rest of the year.
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