In 2026, most people pay no Part A premium and pay $202.90 a month for Part B. Deductibles, coinsurance, drug coverage, supplemental insurance, and income adjustments can increase the total.
In 2026, the standard Part B premium is $202.90 a month, and most people pay no Part A premium. Your total cost also depends on your income, coverage choices, prescriptions, providers, and how much care you use.
Part A Costs in 2026
Most people pay no monthly Part A premium because they or a spouse paid Medicare taxes long enough.
If you must buy Part A, the 2026 premium is $311 or $565 per month, depending on work history.
For an inpatient hospital stay, the 2026 Part A deductible is $1,736 per benefit period. After that:
- Days 1–60: $0 daily coinsurance
- Days 61–90: $434 per day
- Lifetime reserve days: $868 per day
A benefit period starts when you are admitted as an inpatient to a hospital or skilled nursing facility. It ends after 60 days in a row without inpatient hospital care or skilled care in a skilled nursing facility. You may owe another deductible when a new benefit period starts. Lifetime reserve days help cover a longer hospital stay, but you have only 60 to use over your lifetime. See Medicare’s hospital benefit rules.
Part B Costs in 2026
The standard Part B premium is $202.90 per month, although higher-income beneficiaries pay more. The annual Part B deductible is $283.
After the deductible, you usually pay 20% of the Medicare-approved amount for covered Part B services when the provider accepts Medicare’s approved amount as full payment, called accepting assignment. Original Medicare has no annual out-of-pocket maximum by itself.
Medicare Advantage Costs
Costs vary by plan. You continue paying the Part B premium and may also pay a plan premium, deductible, copayments, or coinsurance. A $0 plan premium does not mean health care is free.
Medicare Advantage plans have an annual out-of-pocket limit for covered Part A and Part B services. Drug spending follows separate Part D rules.
Part D Costs
Part D premiums and your share of drug costs vary. In 2026:
- The maximum plan deductible is $615.
- Out-of-pocket spending for covered Part D drugs is capped at $2,100.
- Higher-income members may pay an additional amount.
Medigap Costs
Medigap premiums vary by plan letter, insurer, location, age, pricing method, and discounts. You pay this premium in addition to Part B and any Part D premium.
How to Estimate Your Real Cost
Use three lines for each coverage arrangement:
- Fixed annual premiums: add the monthly premiums for Part B, Part A if you pay for it, and any private coverage you choose. Multiply the total by 12. At the standard 2026 Part B rate alone, that is $2,434.80 a year.
- Your share of covered care: expected deductibles, copayments and coinsurance for medical care and drugs. Check which charges count toward each limit.
- Uncovered care: expenses such as routine dental work or long-term help with bathing, dressing, or other daily tasks that your coverage does not pay.
For a made-up cost comparison of a routine year and a year with more care, see the coverage comparison. Use Medicare’s cost summary and actual plan documents for your own amounts.
Planning for 2027? The figures above apply to 2026. CMS has finalized a $700 maximum Part D deductible and a $2,400 Part D out-of-pocket threshold for 2027. Use the finalized 2027 parameters and the relevant year’s plan documents; do not mix 2026 bills with next-year quotes.
Medicare policy sources last checked: October 8, 2026.