The book is right for 2026. This page is right for right now. Every figure names its source and the date it was checked.
Why this page exists. CMS republishes every one of these figures each November for the following year. A printed book cannot change. This page can. When the 2027 numbers are published, this page changes and the book does not need to. Appendix A of your book carries the 2026 figures, and they match what is below, so nothing in your copy is out of date yet.
| Item | 2026 | What it means |
|---|---|---|
| Premium, 40 or more quarters worked | $0 | Most people. You already paid for it. |
| Premium, 30 to 39 quarters | $311 / month | Partial work history. |
| Premium, under 30 quarters | $565 / month | Little or no Medicare-covered work. |
| Hospital deductible, per benefit period | $1,736 | Per benefit period, NOT per year. It can hit twice in one year. |
| Coinsurance, days 61 to 90 | $434 / day | |
| Lifetime reserve days | $868 / day | 60 days, once, ever. |
| Skilled nursing, days 21 to 100 | $217.00 / day | Days 1 to 20 are covered in full. |
| Item | 2026 | What it means |
|---|---|---|
| Standard monthly premium | $202.90 | Up $17.90 from $185.00 in 2025. |
| Annual deductible | $283 | Up $26 from 2025. |
| Your share after the deductible | 20% | Of the Medicare-approved amount. |
| Annual out-of-pocket maximum | None | Original Medicare alone has no cap. This is the single biggest financial risk. |
| Item | 2026 | What it means |
|---|---|---|
| Maximum annual deductible | $615 | |
| Annual out-of-pocket cap | $2,100 | Up from $2,000 in 2025, the cap's first year. |
| Insulin, per month | $35 | Per covered insulin product. |
| National base premium | $36.78 / month | The figure the late penalty is built on. |
| Late enrollment penalty | 1% per month, permanent | 1% of the base premium for every month you went without creditable drug coverage. |
Based on the income you reported for 2024. Two years back, every year. Work out your own position on the costs page.
| Single income | Joint income | Part B / month | Part D extra |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | no surcharge |
| $109,001 to $137,000 | $218,001 to $274,000 | $284.10 | +$14.50 |
| $137,001 to $171,000 | $274,001 to $342,000 | $405.80 | +$37.50 |
| $171,001 to $205,000 | $342,001 to $410,000 | $527.50 | +$60.40 |
| $205,001 to $499,999 | $410,001 to $749,999 | $649.20 | +$83.30 |
| $500,000 or more | $750,000 or more | $689.90 | +$91.00 |
| Window | When |
|---|---|
| Initial Enrolment Period | 7 months, centred on your 65th birthday month |
| Annual Enrolment Period | 15 October to 7 December |
| Medicare Advantage Open Enrolment | 1 January to 31 March |
| General Enrolment Period | 1 January to 31 March |
| Medigap open enrolment | 6 months from the start of Part B at 65 or over |
| Special Enrolment Period, employer coverage ends | 8 months from the end of the coverage or the job |
If you are reading this in a later year and the heading still says 2026, do not trust it. Check medicare.gov, or run the Appendix B prompts from the prompts page. Telling you how to check us is part of the deal.
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