2026 Medicare Costs: Part A, Part B, Part D and IRMAA

Reviewed September 16, 2026. These figures come from Medicare.gov’s official 2026 cost publication. Your actual cost can differ because of income-related adjustments, late-enrollment penalties, plan premiums, or the services you use.

2026 Medicare cost summary

Verify every amount in Medicare.gov’s 2026 Medicare Costs fact sheet.

Part A hospital and skilled nursing facility costs

For an inpatient hospital stay in 2026, Original Medicare charges a $1,736 deductible for each benefit period. After that deductible, the daily hospital coinsurance is $0 for days 1–60, $434 for days 61–90, and $868 for each lifetime reserve day after day 90, up to 60 lifetime reserve days. After day 150 of a benefit period, the patient pays all costs.

For a covered skilled nursing facility stay in 2026, the daily coinsurance is $0 for days 1–20, $217 for days 21–100, and all costs after day 100. Coverage rules also apply; the dollar amounts alone do not establish whether a stay is covered. See Medicare.gov’s official Part A amounts.

Part B premium and deductible

The standard Part B premium is $202.90 per month in 2026, and the annual Part B deductible is $283. Some people pay more because of IRMAA or a late-enrollment penalty. Social Security tells each beneficiary the exact Part B premium owed. See the official Part B cost table.

2026 IRMAA amounts

People whose 2024 modified adjusted gross income exceeded the applicable threshold may pay an income-related monthly adjustment in addition to the standard Part B premium and their Part D plan premium. The thresholds depend on tax filing status.

See our 2026 Medicare IRMAA brackets and reduction guide for the complete Part B and Part D tables, the official SSA-44 process, and direct Social Security sources.

Part D and Medicare Advantage plan costs

Part D premiums, deductibles, copayments, and coinsurance vary by plan. The 2026 Part D national base premium is $38.99, but Medicare explains that it is used to estimate the late-enrollment penalty and income-related adjustment amounts; it is not a universal plan premium.

Medicare Advantage premiums and out-of-pocket costs also vary by plan. People enrolled in Medicare Advantage must continue paying the Part B premium. Use Medicare’s plan comparison tool to review a specific plan’s premium, deductible, drug coverage, provider network, and maximum out-of-pocket amount. Compare plans on Medicare.gov.

Help with Medicare costs

Medicare Savings Programs may help eligible people pay Part A and Part B premiums and, in some cases, deductibles, coinsurance, and copayments. Extra Help may reduce Part D drug costs for people who qualify. Eligibility and application rules can vary by program and state. Review Medicare’s official help-with-costs page.

This page provides general Medicare information and does not replace an individualized notice from Medicare, Social Security, or a plan. Check your official notices and plan documents before making a coverage decision.

Primary government sources

• Medicare.gov: 2026 Medicare Costs
• Medicare.gov: What Medicare Costs
• Medicare.gov: Help With Medicare Costs