Premiums, deductibles, and coinsurance amounts for Original Medicare generally change every year. Here's a look at some of the costs that will apply in 2026.
Monthly standard premium: Most people with Medicare who receive Social Security benefits will pay the standard monthly Part B premium of $202.90 in 2026, $17.90 higher than in 2025. This premium increase is mainly due to higher projected health-care spending.1
Premium for those with higher incomes: If your modified adjusted gross income (MAGI) as reported on your federal income tax return from two years ago (2024) is above a certain amount, you'll pay the standard premium amount and an Income-Related Monthly Adjustment Amount (IRMAA), which is an extra charge added to your premium, as shown in the following chart.
| Single Filer MAGI (2024) | Married Filing Jointly MAGI (2024) | Married Filing Separately MAGI (2024) | Monthly Part B Premium (2026) |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $109,000 or less | $202.90 |
| $109,001 – $137,000 | $218,001 – $274,000 | $109,001 – $390,999 | $284.10 |
| $137,001 – $171,000 | $274,001 – $342,000 | $405.80 | |
| $171,001 – $205,000 | $342,001 – $410,000 | $527.50 | |
| $205,001 – $499,999 | $410,001 – $749,999 | $649.20 | |
| $500,000 or more | $750,000 or more | $391,000 or more | $689.90 |
*This premium applies to a benefit that extends coverage for immunosuppressive drugs for people whose full Medicare coverage ended 36 months after a kidney transplant and who do not have certain other types of health insurance.
People with higher incomes may also pay a higher premium for a Medicare Part D prescription drug plan, because an IRMAA will be added to the Part D basic premium based on the same income limits in the table above. Part D premiums vary by plan.
Annual deductible: People with Medicare Part B must also satisfy an annual deductible before Original Medicare starts to pay. For 2026, this deductible is $283 (up from $257 in 2025).