2026 Medicare Cost Estimator
Estimate your total annual Medicare costs including premiums, deductibles, copays, drug costs, and IRMAA surcharges.
2026 Medicare Costs at a Glance
| Cost Component | 2026 Amount | Notes |
|---|---|---|
| Part A Premium | $0 | With 40+ quarters of work |
| Part A Deductible | $1,676 | Per benefit period |
| Part A Coinsurance (days 61-90) | $419.00/day | Per day in hospital |
| Part B Premium | $185.00/mo | Standard 2026; IRMAA may add more |
| Part B Deductible | $257 | Annual deductible |
| Part B Coinsurance | 20% | After deductible |
| Part D Average Premium | ~$46.50/mo | Varies by plan |
| Part D Deductible | $590 | Maximum; some plans are lower |
| Part D OOP Cap (IRA) | $2,000 | New under Inflation Reduction Act |
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