On November 14, 2025, the Centers for Medicare & Medicaid Services (CMS) announced the Medicare Part A and Part B 2026 premiums, deductibles, and coinsurance amounts!
In general, the Part A and Part B premiums and deductibles are increasing. Projected price changes and assumed use increases are likely the cause.
Looking for a consumer-facing 2026 Medicare Costs handout to share with clients? Ritter’s Content Library has one ready for you! Get it here.
Part B 2026 Costs
For 2026, the monthly Medicare Part B premium will be $202.90. The annual deductible for Medicare Part B will be $283.
Here’s how your clients’ annual income will affect their Medicare Part B monthly premiums for 2026.
Full Part B Coverage*
| File Individual Tax Return | File Joint Tax Return | Monthly Adjustment | 2026 Part B Monthly Premium |
| Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 | $202.90 |
| Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $81.20 | $284.10 |
| Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $202.90 | $405.80 |
| Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $324.60 | $527.50 |
| Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $446.30 | $649.20 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $487.00 | $689.90 |
Source: CMS.gov
Part B Immunosuppressive Drug Coverage Only*
| File Individual Tax Return | File Joint Tax Return | Monthly Adjustment | 2026 Part B Monthly Premium |
| Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 | $121.60 |
| Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $81.10 | $202.70 |
| Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $202.70 | $324.30 |
| Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $324.30 | $445.90 |
| Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $445.90 | $567.50 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $486.50 | $608.10 |
Source: CMS.gov
Full Part B Coverage*
| File Separate Tax Return from Spouse | Monthly Adjustment | 2026 Part B Monthly Premium |
| Less than or equal to $109,000 | $0.00 | $202.90 |
| Greater than $109,000 and less than $391,000 | $446.30 | $649.20 |
| Greater than or equal to $391,000 | $487.00 | $689.90 |
Source: CMS.gov
Part B Immunosuppressive Drug Coverage Only*
| File Separate Tax Return from Spouse | Monthly Adjustment | 2026 Part B Monthly Premium |
| Less than or equal to $109,000 | $0.00 | $121.60 |
| Greater than $109,000 and less than $391,000 | $445.90 | $567.50 |
| Greater than or equal to $391,000 | $486.50 | $608.10 |
Source: CMS.gov
Part A 2026 Costs
Medicare Part A is premium-free for more than 99 percent of beneficiaries. These individuals, or their spouse, have at least 40 quarters of Medicare-covered employment.
Beneficiaries who have paid Medicare taxes for at least 30 quarters, or were married to someone with at least 30 quarters of coverage, will pay a Part A premium of $311 per month in 2026.
People who have paid Medicare taxes for fewer than 30 quarters will pay a Part A premium of $565 per month in 2026.
The Medicare Part A inpatient hospital deductible that beneficiaries will pay when admitted to the hospital for 2026 will be $1,736.
2026 Part A Deductible & Coinsurance Amounts*
| Type of Cost Sharing | 2025 | 2026 | $ Change | % Change |
| Inpatient Hospital Deductible | $1,676 | $1,736 | $60 | 3.58% |
| Daily Coinsurance for Days 61 to 90 | $419 | $434 | $15 | 3.58% |
| Daily Coinsurance for Lifetime Reserve Days | $838 | $868 | $30 | 3.58% |
| Skilled Nursing Facility Coinsurance | $209.50 | $217 | $7.50 | 3.58% |
Source: CMS.gov
The most effective insurance agents are the most knowledgeable about information that directly impacts the abilities of their clients to afford quality Medicare coverage.
By staying up to date, you can serve as a well-informed, reliable, and trusted guide for your clients throughout the insurance sales process.
Ritter can help you achieve that with a plethora of tools and resources at your fingertips. Register with Ritter today to gain access to those and more!
Not affiliated with or endorsed by Medicare or any government agency.
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