What will Medicare cost me in 2026?

The main Medicare numbers for 2026: • Part B monthly premium (standard): $202.90 • Part B deductible for the year: $283 • Part A deductible for a hospital stay: $1,736 • Most you'll pay for covered Part D drugs in a year: $2,100

More detail

Here's how those numbers play out. The Part A deductible is charged per benefit period, not per year. So if you're in the hospital in March and again in October, you could pay $1,736 in 2026 twice. After you meet the $283 in 2026 Part B deductible, you usually pay 20% of the Medicare-approved amount, and Original Medicare alone has no yearly limit on that.

Common surprises: • Your Part B premium can be higher than $202.90 in 2026 if your income from 2 years ago was above a set level (that's called IRMAA) • The $2,100 in 2026 ($2,400 in 2027) cap counts what you pay for covered drugs; your monthly drug plan premium is separate • These amounts can change every year

What to have ready when we talk: a rough idea of your income, your drug list, and how often you see doctors. That's how we figure out which mix of coverage fits your budget.

Want me to run the numbers for your situation? Just reach out.