2026 Medicare Costs

Medicare Part A (Hospital Insurance) Costs

Part A Monthly Premium

Most people don't pay a Part A premium because they paid Medicare taxes while working. If you don't get premium-free Part A, you pay up to $565 each month.

If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty.

Hospital Inpatient Stay

In 2026, you pay:

• $1,736 deductible per benefit period
• $0 for the first 60 days of each benefit period (after you pay the deductible)
• $434 per day for days 61–90 of each benefit period
• $868 per "lifetime reserve day" after day 90 of each benefit period (up to a maximum of 60 days over your lifetime)
• All costs for each day after day 150 of the benefit period

Skilled Nursing Facility Stay

In 2026, you pay:

• $0 for the first 20 days of each benefit period
• $217 per day for days 21–100 of each benefit period
• All costs for each day after day 100 of the benefit period

Medicare Part B (Medical Insurance) Costs

Part B Monthly Premium

Most people pay the standard Part B monthly premium of $202.90 in 2026. Social Security will tell you the exact amount you'll pay.

You pay the standard premium amount if you:

• Sign up for Part B for the first time in 2026
• Don't get Social Security benefits
• Are directly billed for your Part B premiums
• Have Medicare and Medicaid, and Medicaid pays your premiums (your state will pay the standard premium amount of $202.90)

If your modified adjusted gross income (as reported on your IRS tax return from 2 years ago) is above a certain amount, you'll pay the standard premium plus an income-related monthly adjustment amount (IRMAA).

If you have questions about your Part B premium, call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778. If you pay a late enrollment penalty, these amounts may be higher.

2026 Part B deductible—$283 before Original Medicare starts to pay

You pay this deductible once each year.

Medicare Advantage Plans (Part C) Premiums

Visit Medicare.gov/plan-compare to find and compare plan premiums. You can also call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

Medicare Drug Coverage (Part D) Premiums

If your income is above a certain limit, you'll pay an income-related monthly adjustment amount (IRMAA) in addition to your plan premium.

2026 Part D National Base Premium — $38.99

Medicare uses the national base premium to estimate the Part D late enrollment penalty and the income-related monthly adjustment amounts. The national base amount can change each year. If you pay a late enrollment penalty, your total premium amount may be higher.

For Detailed Information

• Visit Medicare.gov/basics/costs/medicare-costs for more detailed Medicare cost information by service.
• Visit Medicare.gov/basics/costs/medicare-costs/avoid-penalties to learn how to avoid late enrollment penalties.
• Call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.