The Centers for Medicare & Medicaid Services (CMS) has released the official 2026 Medicare premiums, deductibles, coinsurance rates, and income-related monthly adjustment amounts (IRMAA) for Parts A, B, and D. Here’s a direct breakdown of what beneficiaries will pay in 2026.
Medicare Part A Costs for 2026
Premiums
Most people (about 99%) continue to pay no Part A premium due to 40+ quarters of covered employment.
Buy-in premiums for those without enough work credits:
- $311/month with 30–39 quarters (up $26)
- $565/month with fewer than 30 quarters (up $47)
Hospital Deductible & Coinsurance
- Inpatient deductible: $1,736
- Coinsurance:
- Days 61–90: $434/day
- Lifetime reserve days: $868/day
- Skilled nursing facility (days 21–100): $217/day
Medicare Part B Costs for 2026
Standard Premium & Deductible
- Monthly premium: $202.90 (up from $185)
- Annual deductible: $283 (up from $257)
CMS attributes the increase to higher projected service costs. Cuts to overspending on skin-substitute products prevented an additional $11/month increase.
Immunosuppressive Drug-Only Coverage
For beneficiaries who only keep Part B for immunosuppressive drugs after a kidney transplant:
- Premium: $121.60
2026 Part B IRMAA Surcharges
IRMAA applies to roughly 8% of enrollees.
Full Part B Coverage — Monthly Premiums by Income (2026)
Individual / Joint Filers
| Income (Individual) | Income (Joint) | Total Monthly Premium |
|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 |
| $109,001–$137,000 | $218,001–$274,000 | $284.10 |
| $137,001–$171,000 | $274,001–$342,000 | $405.80 |
| $171,001–$205,000 | $342,001–$410,000 | $527.50 |
| $205,001–$500,000 | $410,001–$750,000 | $649.20 |
| ≥ $500,000 | ≥ $750,000 | $689.90 |
Married, Filing Separately
| Income | Total Monthly Premium |
|---|---|
| ≤ $109,000 | $202.90 |
| $109,001–$391,000 | $649.20 |
| ≥ $391,000 | $689.90 |
Part B IRMAA for Immunosuppressive Drug-Only Coverage
| Income (Individual) | Income (Joint) | Total Monthly Premium |
|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $121.60 |
| $109,001–$137,000 | $218,001–$274,000 | $202.70 |
| $137,001–$171,000 | $274,001–$342,000 | $324.30 |
| $171,001–$205,000 | $342,001–$410,000 | $445.90 |
| $205,001–$500,000 | $410,001–$750,000 | $567.50 |
| ≥ $500,000 | ≥ $750,000 | $608.10 |
Married, Filing Separately
| Income | Total Premium |
|---|---|
| ≤ $109,000 | $121.60 |
| $109,001–$391,000 | $567.50 |
| ≥ $391,000 | $608.10 |
Medicare Part D IRMAA for 2026
IRMAA for Part D applies to about 8% of beneficiaries and is added to the plan’s premium.
Individual / Joint Filers
| Income (Individual) | Income (Joint) | IRMAA |
|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $0 |
| $109,001–$137,000 | $218,001–$274,000 | $14.50 |
| $137,001–$171,000 | $274,001–$342,000 | $37.50 |
| $171,001–$205,000 | $342,001–$410,000 | $60.40 |
| $205,001–$500,000 | $410,001–$750,000 | $83.30 |
| ≥ $500,000 | ≥ $750,000 | $91.00 |
Married, Filing Separately
| Income | IRMAA |
|---|---|
| ≤ $109,000 | $0 |
| $109,001–$391,000 | $83.30 |
| ≥ $391,000 | $91.00 |
Key Takeaway for 2026
Medicare costs are rising across the board, with Part B premiums and deductibles seeing the most notable increases. Higher-income beneficiaries face significant IRMAA surcharges for both Part B and Part D, making income planning crucial for retirees.
Also Read: 2026 Medicare Advantage and Part D Rate Announcement
People Also Ask
It is $1,736 per benefit period, up $60 from 2025.
The annual Part B deductible is $283 in 2026.
No. Advantage plan deductibles vary by provider but cannot exceed CMS’s federal cost limits.
Compare Medigap and Advantage plans, use preventive services, and ensure your drugs are covered under your plan’s formulary.
Author Bio
Written by a healthcare policy and Medicare analyst specializing in CMS reforms, Medigap strategies, and senior health finance. With over a decade of experience in Medicare cost modeling and policy forecasting, the author simplifies complex regulations to help beneficiaries make confident healthcare decisions.
Official Website Article: 2026 Medicare Parts A & B Premiums and Deductibles | CMS