How much does Medicare cost in 2026?+
For most enrollees in 2026: Medicare Part A premium is $0 (most people qualify for premium-free Part A through 40+ quarters of Medicare-taxed work). Part B standard premium is $185/month (income-adjusted higher via IRMAA). Medicare Advantage plans frequently charge $0 in additional premium beyond Part B. Standalone Part D plans average $40-$60/month. Medigap Plan G runs $110-$200/month for a 65-year-old non-smoker, varying by state and ZIP code. So a typical Medigap-path enrollee pays roughly $335-$445/month total ($185 + $50 + $140), while a typical Medicare Advantage enrollee pays roughly $185-$215/month total.
What is the Medicare Part B deductible for 2026?+
The Medicare Part B deductible for 2026 is $257. This is what you pay out-of-pocket before Part B starts paying its share (80%) of approved services. Medigap Plan F covers this deductible; Plan G does not. Medicare Advantage plans usually replace this with their own plan-specific deductible structure.
What is the Medicare Part A deductible for 2026?+
The Medicare Part A hospital deductible for 2026 is $1,676 per benefit period (a benefit period starts when you're admitted and ends after 60 consecutive days out of inpatient care). Most Medigap plans (A, B, C, D, F, G, M, N) cover this in full; Medicare Advantage plans replace it with their own per-stay copays.
What are the IRMAA brackets for 2026?+
IRMAA (Income-Related Monthly Adjustment Amount) is the surcharge added to Part B and Part D premiums for higher-income enrollees. 2026 IRMAA is based on 2024 income tax returns. For singles, surcharges begin at MAGI above $106,000; for couples filing jointly, above $212,000. There are 5 income tiers — at the highest tier (>$500K single / >$750K joint), the total Part B premium is around $629/month. Most enrollees pay no IRMAA.
Does Medicare Part D have an out-of-pocket cap in 2026?+
Yes — this is new starting in 2025 and continuing in 2026. Medicare Part D enrollees now have a $2,000 annual out-of-pocket cap on prescription drug costs (set by the Inflation Reduction Act). After you spend $2,000 out-of-pocket on covered Part D drugs in a calendar year, you pay $0 for the rest of the year. This is a huge change from prior years where there was no cap. Medicare Advantage plans with bundled Part D (MA-PD) also include this cap.
How much does Medigap Plan G cost in 2026?+
Medigap Plan G premiums for 2026 typically range from $110 to $200 per month for a 65-year-old non-smoker, depending on state, ZIP code, gender, and underwriting class. High-cost states (NY, MA, CT — guaranteed-issue states) tend to see Plan G in the $180-$240 range. Lower-cost states often see Plan G $90-$140. Same-letter Medigap plans are federally standardized — Plan G from any carrier covers identical benefits, so price varies based purely on carrier and risk pool.
What is the Medicare Advantage out-of-pocket maximum in 2026?+
CMS sets the maximum Medicare Advantage out-of-pocket limits annually. For 2026: in-network MOOP cannot exceed $9,350 (most plans set theirs at $3,000-$8,850); combined in-network + out-of-network MOOP for PPO plans cannot exceed $14,000. After you hit your plan's MOOP, the plan pays 100% of in-network covered services for the rest of the year.
How much is Medicare Part B in 2026?+
The standard Medicare Part B monthly premium for 2026 is $185 (up from $174.70 in 2025). Higher-income enrollees pay more via IRMAA — anywhere from $259 to $629 per month at the top tiers. Most enrollees pay the standard $185.