Medicare Costs for 2026: Part B Standard Premium Is $202.90 a Month, Deductible $283
The standard monthly premium for Medicare Part B in 2026 is $202.90, an increase of $17.90 from $185.00 in 2025, and the annual Part B deductible is $283, up $26 from $257, according to the Centers for Medicare & Medicaid Services (CMS). Part B covers physicians' services, outpatient hospital services, certain home health services and durable medical equipment.
Part A covers inpatient hospital, skilled nursing facility, hospice, inpatient rehabilitation and some home health services. About 99 percent of beneficiaries pay no Part A premium because they have at least 40 quarters of Medicare-covered employment. The Part A inpatient hospital deductible for 2026 is $1,736, up $60 from $1,676 in 2025, covering a beneficiary's share of costs for the first 60 days of covered inpatient care in a benefit period.
Longer stays cost more. Beneficiaries pay $434 a day for the 61st through 90th day of hospitalization, $868 a day for lifetime reserve days, and $217 a day for skilled nursing facility care on days 21 through 100. The 2025 figures were $419, $838 and $209.50.
People with fewer quarters of coverage can buy into Part A. Those with at least 30 quarters, or a spouse with at least 30 quarters, pay a reduced monthly premium of $311 in 2026, up $26. Those with fewer than 30 quarters pay the full premium of $565 a month, up $47. For people continuing Part B coverage of immunosuppressive drugs only after full coverage ends 36 months after a kidney transplant, the standard premium is $121.60.
Higher-income beneficiaries also pay income-related monthly adjustment amounts (IRMAA), which affect about 8 percent of Part B enrollees. In the first tier, individual income above $109,000 or joint income above $218,000, the Part B adjustment is $81.20 a month for a total premium of $284.10, and the Part D adjustment is $14.50 a month. CMS publishes the full tier table with its 2026 fact sheet.
(Source: Centers for Medicare & Medicaid Services)
Source: Centers for Medicare & Medicaid Services
Published by GSM · USA (original Chinese edition)
Photo: 图片来源：Wikimedia Commons「New US Medicare Card Sample 2018」（Medicare.gov，公共领域），图中为联邦医疗保险卡样张 Image: Wikimedia Commons, "New US Medicare Card Sample 2018" (Medicare.gov, public domain), showing a sample Medicare card
