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Lookup 1 — Your IRMAA tier
2024 income + filing status → your 2026 Part B premium and Part D surcharge.
REFERENCE TABLE · HEALTH · MEDICARE · PRINTABLE
2026 Medicare Costs Chart
Every 2026 Medicare number on one page: Part B at $202.90 a month (the first time it has ever crossed $200), the $283 deductible, the $1,736 hospital deductible, the $2,100 drug cap, the full IRMAA table (surcharges start at $109,000 single / $218,000 joint on 2024 income), and the four enrollment windows — with three live lookups below: your IRMAA tier, your annual bill, and what a hospital stay costs. A $150,000 single filer lands in IRMAA tier 2: $405.80/mo Part B + $37.50/mo Part D surcharge, or $2,884.80 a year over the standard premium. All figures are the official CMS amounts released November 14, 2025.
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Lookup 2 — Your annual Medicare bill
Premiums + deductible + expected cost-sharing → one number.
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Lookup 3 — Hospital stay cost
Benefit periods + length of stay → your Part A bill.
The parts, priced for 2026
Printing? Use your browser’s print command — the tables below are formatted for paper. Figures are the official CMS 2026 amounts.
| Part | Premium | Deductible | Cost-sharing |
|---|---|---|---|
| Part A — hospital, skilled nursing, hospice | $0 (40+ quarters) | $1,736 / benefit period | $434/day (days 61–90) · $868/day (reserve) · $217/day (SNF 21–100) |
| Part A buy-in — fewer than 40 quarters | $565/mo (<30 qtrs) · $311/mo (30–39) | $1,736 / benefit period | Same cost-sharing as premium-free Part A |
| Part B — doctors, outpatient, labs, equipment | $202.90/mo | $283 / year | 20% of the Medicare-approved amount — no cap |
| Part C — Medicare Advantage (private bundle) | Avg ~$14/mo + Part B | Varies by plan | In-network OOP max $9,250 (2026) |
| Part D — prescription drugs | Varies (~$20–$80) + IRMAA | Up to $615 | Annual out-of-pocket cap $2,100 |
The 2026 IRMAA table (income surcharges)
IRMAA — the Income-Related Monthly Adjustment Amount — is a surcharge on Parts B and D for higher earners. It runs on a two-year lookback: your 2024 MAGI (AGI + tax-exempt interest) sets your 2026 premiums. The surcharge is cliff-based — $1 over a line moves you a full tier — and per person, so a couple both on Medicare pays each amount twice. Income drop since 2024 (retirement, divorce, death of a spouse)? File Form SSA-44 to appeal on current income.
| 2024 MAGI, single | 2024 MAGI, joint | Part B total/mo | Part D surcharge/mo | Extra/yr vs standard |
|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 | $0 |
| $109,001 – $137,000 | $218,001 – $274,000 | $284.10 | $14.50 | $1,148 |
| $137,001 – $171,000 | $274,001 – $342,000 | $405.80 | $37.50 | $2,885 |
| $171,001 – $205,000 | $342,001 – $410,000 | $527.50 | $60.40 | $4,620 |
| $205,001 – $499,999 | $410,001 – $749,999 | $649.20 | $83.30 | $6,355 |
| $500,000+ | $750,000+ | $689.90 | $91.00 | $6,936 |
Enrollment windows
| Window | When | Why it matters |
|---|---|---|
| Initial enrollment | 7 months: 3 before, the month of, and 3 after your 65th birthday | Miss it and late penalties can follow you for life |
| General enrollment | January 1 – March 31 (coverage starts July 1) | The fallback if you missed your initial window |
| Open enrollment | October 15 – December 7 | Switch Advantage plans or return to Original Medicare |
| MA open enrollment | January 1 – March 31 | Advantage members: switch plans or drop to Original Medicare |
Output · formula · meaning
| Output | Formula | What it means |
|---|---|---|
| IRMAA tier | 2024 MAGI vs the 6-tier table | $150k single → $405.80/mo Part B + $37.50/mo Part D. |
| Annual extra vs standard | (tier premium − $202.90 + Part D surcharge) × 12 | $2,884.80/yr at the defaults — the price of that tier. |
| Annual Medicare bill | 12 × (Part B + Part D) + $283 + expected cost-sharing | $4,257.80 at the defaults. |
| Hospital stay | $1,736 + $434 × days 61–90 + $868 × reserve days | 5 days = $1,736; 70 days = $6,076. |
Who uses this
- Turning-65 planners: the complete 2026 price list in one place — print it and bring it to the SHIP counseling session.
- High earners near the IRMAA lines: the cliff structure means a $1,000 Roth conversion can cost $1,148+ in premiums — check Lookup 1 first.
- Adult children helping parents: the hospital-stay lookup answers “what will the hospital actually bill” in ten seconds.
- Students & researchers: official CMS 2026 figures, citable with the block below.
Accuracy & limitations
All premium/deductible/IRMAA figures are the official CMS 2026 amounts (released November 14, 2025). MA premiums, Medigap premiums, and standalone Part D premiums vary by plan, age, and ZIP — the chart uses national averages. IRMAA uses 2024 MAGI; the lookups assume standard thresholds (married-filing-separately has its own harsher schedule). The hospital-stay lookup prices Original Medicare cost-sharing; Advantage plans use their own copay schedules up to the $9,250 cap. Not financial or insurance advice.
Cite this chartBright Side Kit. “2026 Medicare Costs Chart & IRMAA.” brightoolbox.com, 2026.
Bright Side Kit. "2026 Medicare Costs Chart & IRMAA." https://brightoolbox.com/2026-medicare-costs-chart/ Accessed October 23, 2026.Frequently asked questions
What is the Medicare Part B premium for 2026?
The standard premium is $202.90 a month — the first time it has ever exceeded $200 — up $17.90 from $185.00 in 2025. The annual Part B deductible is $283. Higher earners pay IRMAA surcharges on top: see the table above or run Lookup 1 with your 2024 income.
What income triggers IRMAA in 2026?
IRMAA starts when your 2024 MAGI exceeds $109,000 single or $218,000 married filing jointly. The first tier raises Part B to $284.10/mo and adds a $14.50/mo Part D surcharge — $1,148 a year over standard. It is cliff-based: $109,001 moves you the full tier. The top tier ($500k+ single) totals $689.90 + $91.00 a month.
How much does a hospital stay cost on Medicare in 2026?
The Part A deductible is $1,736 per benefit period — and a benefit period is not a calendar year, so two stays 60+ days apart cost $1,736 twice. Days 1–60 are covered after the deductible; days 61–90 cost $434/day; lifetime reserve days cost $868/day. A 5-day stay is $1,736; a 70-day stay is $6,076. Medigap Plan G covers the deductible; Advantage plans use copays up to the $9,250 cap.
What is the Part D out-of-pocket cap in 2026?
$2,100 a year for covered drugs — once your spending hits it, covered prescriptions cost $0 for the rest of the year. The old coverage gap (“donut hole”) is gone. Standalone Part D plans may charge a deductible up to $615.
Can I appeal IRMAA if my income dropped?
Yes. If a life-changing event — retirement, divorce, death of a spouse, loss of income-producing property — cut your income after the 2024 tax year Medicare is using, file Form SSA-44 with Social Security to have IRMAA recalculated on your current income. Roughly 8% of enrollees pay IRMAA, and many do not know the appeal exists.
When is Medicare open enrollment for 2026?
October 15 – December 7, 2025 for 2026 coverage — the window to switch Advantage plans, join or drop Part D, or return to Original Medicare. A separate Medicare Advantage open enrollment (January 1 – March 31) lets current Advantage members switch plans once.