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Medicare Costs in 2026: Premiums, Deductibles and Out-of-Pocket Limits
The standard 2026 amounts for Original Medicare and the limits that apply to Medicare Advantage and Part D, each from an official or KFF source.
Original Medicare, 2026
| Item | 2026 amount |
|---|---|
| Part B standard monthly premium (higher with higher income) | $202.90 |
| Part B annual deductible | $283 |
| Part B coinsurance for most services after the deductible | 20% of the Medicare-approved amount |
| Part A inpatient hospital deductible, per benefit period | $1,736 |
| Hospital coinsurance, days 61 to 90 of a benefit period | $434 per day |
| Hospital coinsurance, lifetime reserve days (up to 60) | $868 per day |
| Skilled nursing facility coinsurance, days 21 to 100 | $217 per day |
| Part A premium for people who do not qualify for premium-free Part A | $311 or $565 a month, depending on how long you or your spouse worked and paid Medicare taxes |
Sources: CMS 2026 fact sheet and Medicare.gov. CMS notes that approximately 99% of beneficiaries have no Part A premium. Original Medicare has no yearly limit on what you pay unless you have supplemental coverage.
Medicare Advantage and Part D limits, 2026
| Item | 2026 amount |
|---|---|
| Maximum yearly out-of-pocket limit for in-network Part A and B services | $9,250 |
| Maximum limit for in-network and out-of-network combined (plans that cover out-of-network care) | $13,900 |
| Average limit for Medicare Advantage enrollees, in-network (enrollment-weighted) | $5,421 |
| Part D yearly out-of-pocket limit | $2,100 |
Plans can set lower limits than the maximums. The Part D cap is separate and does not count toward the Medicare Advantage limit. Source: KFF.
Medigap
Medigap premiums vary by plan letter, company, age, location and other factors, so there is no single price. Use Medicare.gov's plan finder or a SHIP counselor to see actual prices in your ZIP code. Plans C and F are not sold to people who became eligible for Medicare on or after January 1, 2020.
Looking ahead to 2027
The Medicare Trustees project a 2027 Part B premium of $209.50 and deductible of $292. These are projections until CMS announces the official amounts. See the 2027 Medicare costs page.
Sources
- CMS: 2026 Medicare Parts A & B Premiums and Deductibles
- Medicare.gov: Medicare costs (2026)
- KFF: Medicare Advantage Out-of-Pocket Limits: Variation and Trends
- KFF: Medicare Advantage in 2026: Premiums, Out-of-Pocket Limits, Supplemental Benefits, and Prior Authorization
- KFF: Medigap Guaranteed Issue Requirements: An Overview of Federal and State Rules (Oct 13, 2026)
Common questions
What is the 2026 Part B premium?
The standard monthly Part B premium is $202.90 in 2026, up $17.90 from $185.00 in 2025. People with higher incomes pay more.
Is there a limit on what I pay in Original Medicare?
No yearly limit on its own. Medigap, employer or union coverage, or Medicaid can limit what you pay. Medicare Advantage plans must have a yearly limit on Part A and B services.