The Centers for Medicare & Medicaid Services (CMS) released the 2026 Medicare Parts A & B Premiums and Deductibles on November 14th, 2025.
Medicare Part B Premiums/Deductibles
The standard Medicare Part B monthly premium will increase $17.90 from 2025, from $185.00 to $202.90. The annual Part B deductible will also be increasing to $283 in 2026, a change of $26 from the 2025 deductible.
Since 2023, individuals whose full Medicare coverage ended 36 months after a kidney transplant, and who do not have certain other types of insurance coverage, can elect to continue their Part B benefits for immunosuppressive drugs ONLY by paying a premium – which will be $121.60/month in 2026.
The Income-Related Monthly Adjustment Amounts (IRMAA) for full Part B coverage will be:
| FILE INDIVIDUAL TAX RETURN (with modified AGI) | FILE JOINT TAX RETURN (with modified AGI) | FILE MARRIED + SEPARATE TAX RETURN (with modified AGI) | YOU PAY EACH MONTH IN 2026: |
| $109,000 or less | $218,000 or less | $109,000 or less | $202.90 |
| More than $109,000 up to $137,000 | More than $218,000 up to $274,000 | Not applicable | $284.10 |
| More than $137,000 up to $171,000 | More than $274,000 up to $342,000 | Not applicable | $405.80 |
| More than $171,000 up to $205,000 | More than $342,000 up to $410,000 | Not applicable | $527.50 |
| More than $205,000 up to $500,000 | More than $410,000 up to $750,000 | More than $109,000 up to $391,000 | $649.20 |
| $500,000 or more | $750,000 or more | $391,000 or more | $689.90 |
Here’s the 2026 IRMAA amounts for Part B Immunosuppressive Drug Coverage Only:
| FILE INDIVIDUAL TAX RETURN (with modified AGI) | FILE JOINT TAX RETURN (with modified AGI) | FILE MARRIED + SEPARATE TAX RETURN (with modified AGI) | YOU PAY EACH MONTH IN 2026: |
| $109,000 or less | $218,000 or less | $109,000 or less | $121.60 |
| More than $109,000 up to $137,000 | More than $218,000 up to $274,000 | Not applicable | $202.70 |
| More than $137,000 up to $171,000 | More than $274,000 up to $342,000 | Not applicable | $324.30 |
| More than $171,000 up to $205,000 | More than $342,000 up to $410,000 | Not applicable | $445.90 |
| More than $205,000 up to $500,000 | More than $410,000 up to $750,000 | More than $109,000 up to $391,000 | $567.50 |
| $500,000 or more | $750,000 or more | $391,000 or more | $608.10 |
Medicare Part A Premium & Deductible
Enrollees aged 65 and over who have fewer than 40 quarters of qualified working credits and certain persons with disabilities pay a monthly premium in order to voluntarily enroll in Medicare Part A. Individuals who had at least 30 quarters of working credits or who were married to someone with at least 30 quarters will pay $311/month in 2026. Individuals who have less than 30 quarters of working credits will pay the full Part A premium, which will be $565 a month in 2026, a $47 increase from 2025.
Part A Deductible and Coinsurance Amounts for Calendar Years 2025 & 2026 by Type of Cost Sharing:
| 2025 | 2026 | |
| Inpatient Hospital Deductible | $1,676 | $1,736 |
| Daily Hospital Coinsurance for days 61-90 | $419 | $434 |
| Daily Hospital Coinsurance for Lifetime Reserve Days | $838 | $868 |
| Skilled Nursing Facility daily coinsurance for days 21-100 | $209.50 | $217 |
Medicare Part D IRMAA
We see some slight changes to the Income Related Monthly Adjustment Amounts from 2025 to 2026:
| FILE INDIVIDUAL TAX RETURN (with modified AGI) | FILE JOINT TAX RETURN (with modified AGI) | FILE MARRIED + SEPARATE TAX RETURN (with modified AGI) | YOU PAY EACH MONTH IN 2026: |
| $109,000 or less | $218,000 or less | $109,000 or less | You plan premium |
| More than $109,000 up to $137,000 | More than $218,000 up to $274,000 | Not applicable | $14.50 + your plan premium |
| More than $137,000 up to $171,000 | More than $274,000 up to $342,000 | Not applicable | $37.50 + your plan premium |
| More than $171,000 up to $205,000 | More than $342,000 up to $410,000 | Not applicable | $60.40 + your plan premium |
| More than $205,000 up to $500,000 | More than $410,000 up to $750,000 | More than $109,000 up to $391,000 | $83.30 + your plan premium |
| $500,000 or more | $750,000 or more | $391,000 or more | $91.00 + your plan premium |
Our customizable 2026 Medicare Premiums & Deductible flyer will soon be available through the ProShop Plus, and we’re working to update our Medicare Scholar presentations with all the new 2026 information.
