2026 cost reference

Medicare costs: start with the categories.

A monthly premium is only part of the picture. These figures are a starting point for understanding costs, not a personalized estimate.

Two adults reviewing papers together at a kitchen table.
AI-generated illustration.

Sources checked September 11, 2026 · Effective January 1–December 31, 2026 · CMS Part A/B announcement November 14, 2025 · Next check: October 2026 or on official change.

This is an annual reference for people planning Medicare costs, rather than an announcement of a new September change. Medicare costs come in different categories, and not every figure describes your total spending.

2026 cost categories

Standard Part B premium

Income-related adjustments and other circumstances can affect what a person pays.

$202.90 / month

Part B deductible

This does not include all medical out-of-pocket costs.

$283 / year

Part A inpatient deductible

A benefit period is different from a calendar year.

$1,736 / benefit period

Part D deductible ceiling

A plan may have a lower deductible or none.

$615

Part D covered-drug out-of-pocket threshold

This is not a cap on all medical spending. Check covered drugs and the applicable plan rules.

$2,100

Put the numbers in context.

Also consider applicable private plan premiums, Medigap premiums, cost sharing, and help you may qualify to receive. Check current plan documents for your own coverage.

Some 2027 figures have already been finalized. Do not use a projected figure as a final premium or reuse this 2026 page as a 2027 cost guide.

Find official resources and help paying costs, or ask Steve a coverage question.

Sources checked September 11, 2026. CMS 2026 Parts A/B · Medicare Part D costs · CMS 2027 announcement