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Medicare Premiums, Deductibles, Co-Insurance – 2026

The following information was adapted from the chart “2026 Medicare Costs” on the Medicare.gov website: https://www.medicare.gov/Pubs/pdf/11579-medicare-costs.pdf

Part A: (Hospital Insurance) premium:
Most people don’t pay a monthly premium for Part A (sometimes called “premium-free Part A”), because they paid Medicare taxes while working. If you buy Part A, you’ll pay up to $565 each month in 2026, depending on how long you or your spouse worked and paid Medicare taxes.

Part A: hospital inpatient deductible and co-insurance
You pay:

• $1,736 deductible per benefit period
• Days 1-60: $0 for the first 60 days of each benefit period (after you pay the deductible)
• Days 61-90: $434 per day for days 61–90 of each benefit period
• Days 91 and beyond: $868 per “lifetime reserve day” after day 90 of each benefit period (up to a maximum of 60 days over your lifetime)
• Beyond lifetime reserve days (After day 150): All costs for each day after day 150 of the benefit period.

Skilled Nursing Facility stay
In 2026, you pay:

• $0 for the first 20 days of each benefit period
• $217 per day for days 21–100 of each benefit period
• All costs for each day after day 100 of the benefit period

Part B: (Medical Insurance) premium
You pay:
Most people pay the standard Part B monthly premium amount ($202.90 in 2026). Social Security will tell you the exact amount you’ll pay for Part B in 2026.

Part B: deductible and co-insurance
You pay:
$283 before Original Medicare starts to pay. You pay this deductible once each year.

Part C: (Medicare Advantage) premium
Visit Medicare.gov/plan-compare to find and compare plan premiums. You can also call 1‑800‑MEDICARE (1-800-633-4227). TTY users can call 1‑877‑486‑2048.

Part D: (Medicare Prescription Drug Coverage) premium
Compare costs for specific Part D plans. 2026 Part D national base premium – $38.99.

For detailed information:

• Visit Medicare.gov/basics/costs/medicare-costs to get more detailed Medicare cost information by service.

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SOURCE: Medicare.gov
PREPARED BY: 211/jm
CONTENT LAST REVIEWED: June2026