The standard Medicare Part B premium for 2026 is $202.90 a month ($2,434.80 a year), up $17.90 from $185.00 in 2025, and the Part B deductible is $283. Higher-income enrollees pay an income-related monthly adjustment (IRMAA) on top of the standard premium, for a total of $284.10 to $689.90 a month. It starts when modified adjusted gross income on the 2024 tax return is above $109,000 for an individual return or $218,000 for a joint return.
Key facts
- CMS released these 2026 amounts on November 14, 2025. This page does not include 2027 amounts.
- Medicare uses your tax return from two years earlier for IRMAA, so 2026 premiums are based on your 2024 return (or 2023 if the IRS has not provided 2024).
- CMS says IRMAA affects roughly 8% of people with Part B. Part D has its own adjustment, paid in addition to your drug plan’s premium.
- After the $283 deductible, you usually pay 20% of the Medicare-approved amount for Part B services.
- About 99% of beneficiaries pay no Part A premium because they have at least 40 quarters of Medicare-covered work.
2026 Part B premium and deductible
| Part B | 2025 | 2026 | Change |
|---|---|---|---|
| Standard monthly premium | $185.00 | $202.90 | +$17.90 |
| Standard premium for a full year | $2,220.00 | $2,434.80 | +$214.80 |
| Annual deductible | $257 | $283 | +$26 |
2026 IRMAA: Part B premium by income
If your income is above the first threshold you pay the standard premium plus an income-related monthly adjustment amount. The table shows the adjustment and the total monthly premium for people with full Part B coverage, with the yearly total worked out as 12 months. Income is modified adjusted gross income from the 2024 return. The lowest tier includes income up to and including $109,000 (individual) or $218,000 (joint); the top tier includes income of $500,000 or more (individual) or $750,000 or more (joint).
| Individual return: income | Joint return: income | IRMAA per month | Total Part B per month | Total Part B per year |
|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 | $2,434.80 |
| Over $109,000 to $137,000 | Over $218,000 to $274,000 | $81.20 | $284.10 | $3,409.20 |
| Over $137,000 to $171,000 | Over $274,000 to $342,000 | $202.90 | $405.80 | $4,869.60 |
| Over $171,000 to $205,000 | Over $342,000 to $410,000 | $324.60 | $527.50 | $6,330.00 |
| Over $205,000 to under $500,000 | Over $410,000 to under $750,000 | $446.30 | $649.20 | $7,790.40 |
| $500,000 or more | $750,000 or more | $487.00 | $689.90 | $8,278.80 |
Example. A single filer whose 2024 modified AGI was $150,000 falls in the tier “Over $137,000 to $171,000”. The total Part B premium is $405.80 a month, or $4,869.60 for the year: the $2,434.80 standard premium plus $2,434.80 of IRMAA.
Married filing separately
Applies to beneficiaries who are married, lived with their spouse at any time during the tax year, and file a separate return.
| Separate return: income | IRMAA per month | Total Part B per month | Total Part B per year |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $2,434.80 |
| Over $109,000 to under $391,000 | $446.30 | $649.20 | $7,790.40 |
| $391,000 or more | $487.00 | $689.90 | $8,278.80 |
Which income and tax year count
The Social Security Administration sets IRMAA from the tax return the IRS has for the year two years before the premium year. For 2026 that is 2024; if the IRS has not yet provided 2024 income, SSA uses 2023 and corrects it when the newer data arrives. The figure that counts is modified adjusted gross income: the adjusted gross income on your return plus tax-exempt interest and a few other kinds of tax-exempt income. You can see how your income is taxed with the income tax calculator and plan for premium costs in retirement with the retirement calculator.
If your income has fallen since 2024 because of a major life-changing event, you can ask SSA to use more recent income. The events are marriage, divorce or annulment, the death of a spouse, stopping work or cutting your hours, a loss of income-producing property, an employer pension plan ending or being reorganized, and a settlement from an employer that closed, went bankrupt or reorganized.
2026 Part D income-related adjustment
The Part D adjustment is paid in addition to your plan’s premium and uses the same income tiers. Married people who file separately and lived with their spouse pay $83.30 if income is over $109,000 and under $391,000, and $91.00 at $391,000 or more.
| Individual return: income | Joint return: income | Part D IRMAA per month | Part D IRMAA per year |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $0.00 |
| Over $109,000 to $137,000 | Over $218,000 to $274,000 | $14.50 | $174.00 |
| Over $137,000 to $171,000 | Over $274,000 to $342,000 | $37.50 | $450.00 |
| Over $171,000 to $205,000 | Over $342,000 to $410,000 | $60.40 | $724.80 |
| Over $205,000 to under $500,000 | Over $410,000 to under $750,000 | $83.30 | $999.60 |
| $500,000 or more | $750,000 or more | $91.00 | $1,092.00 |
2026 Part A costs
Most people pay no Part A premium. People who have fewer than 40 quarters of Medicare-covered work and choose to buy Part A pay a monthly premium. Those with at least 30 quarters (or married to someone who has) can buy in at $311 a month, $26 more than last year, and certain others pay the full premium of $565 a month, $47 more than last year.
| Part A cost sharing | 2025 | 2026 |
|---|---|---|
| Inpatient hospital deductible (per benefit period) | $1,676 | $1,736 |
| Hospital coinsurance per day, days 61 to 90 | $419 | $434 |
| Hospital coinsurance per lifetime reserve day | $838 | $868 |
| Skilled nursing facility coinsurance per day, days 21 to 100 | $209.50 | $217.00 |
To fit these premiums into your monthly spending plan, try the budget calculator.
Frequently asked questions
What is the Medicare Part B premium for 2026?
The standard Part B premium is $202.90 a month in 2026, or $2,434.80 for a full year, which is $17.90 more than in 2025. Enrollees with higher incomes pay more through IRMAA, up to $689.90 a month. The standard premium for Part B immunosuppressive drug coverage only is $121.60.
What is the Part B deductible for 2026?
The 2026 Part B deductible is $283, up $26 from $257 in 2025. You pay it once a year before Original Medicare starts paying. After that you usually pay 20% of the Medicare-approved amount for covered services, if your provider accepts assignment.
What is IRMAA and who pays it?
IRMAA is a monthly surcharge added to Part B, and to Part D, for higher-income enrollees. For 2026 it applies when modified adjusted gross income is over $109,000 on an individual return or $218,000 on a joint return. The top tier starts at $500,000 (individual) or $750,000 (joint).
Which tax year does Medicare use for 2026 IRMAA?
Medicare generally uses the return from two years earlier, so 2026 IRMAA is based on your 2024 return. If the IRS has not provided 2024 income, the Social Security Administration uses 2023 and adjusts later. Modified adjusted gross income is your adjusted gross income plus tax-exempt interest and certain other tax-exempt income.
Can I get my IRMAA lowered if my income dropped?
Possibly. If a major life-changing event reduced your income, you can ask the Social Security Administration to use a more recent year. Qualifying events include marriage, divorce, the death of a spouse, stopping work or reducing your hours, losing income-producing property, an employer pension plan ending, or an employer settlement. Ask SSA which documents it needs.
How much is the Part D IRMAA in 2026?
The 2026 Part D adjustment runs from $14.50 to $91.00 a month, depending on income. You pay it in addition to your plan’s own premium. CMS says it is deducted from your Social Security benefit or paid directly to Medicare, whichever way you pay the plan premium.
Calculators that use these figures
- Retirement Calculator: Retirement savings target, on-track check and sustainable withdrawals.
- Budget Calculator: Monthly budget planner with the 50/30/20 rule and national spending benchmarks.
- Income Tax Calculator: 2026 federal and state income tax, effective rate and refund estimate.