Published July 2, 2026, updated July 2, 2026
In 2026, the standard Medicare Part B premium is $202.90 per month, the Part B annual deductible is $283, and Medicare Advantage plans may not charge more than $9,250 a year for in-network out-of-pocket costs, according to CMS's 2026 Medicare Parts A and B Premiums and Deductibles fact sheet (November 14, 2025) and CMS's Final CY 2026 Standards for Part C Benefits (April 16, 2025). The table below collects every 2026 figure this site cites, with the primary source and publication date for each.
2026 Medicare cost figures at a glance
| Cost item | 2026 amount | Applies to | Source |
|---|---|---|---|
| Standard Part B monthly premium | $202.90 | Original Medicare | CMS, Nov 14, 2025 |
| Part B annual deductible | $283 | Original Medicare | CMS, Nov 14, 2025 |
| Part A inpatient hospital deductible | $1,736 | Original Medicare | CMS, Nov 14, 2025 |
| Highest-tier Part B premium (IRMAA) | $689.90 | Original Medicare, high-income enrollees | CMS, Nov 14, 2025 |
| Medicare Advantage in-network out-of-pocket maximum | $9,250 | Medicare Advantage (Part C) | CMS, Apr 16, 2025 |
| Medicare Advantage combined in and out-of-network maximum | $13,900 | Medicare Advantage (Part C) | KFF analysis of CMS data, Jun 5, 2026 |
| Part D annual out-of-pocket cap | $2,100 | Part D drug coverage | CMS, Apr 7, 2025 |
| Part D insulin copay cap (per covered product, per month) | $35 | Part D drug coverage | Inflation Reduction Act, per KFF |
Full source names, links and publication dates are in the Methodology section below and in the downloadable CSV.
What is the standard Medicare Part B premium in 2026?
The standard Medicare Part B premium in 2026 is $202.90 per month, an increase of $17.90 from $185.00 in 2025. The Part B annual deductible is $283 in 2026, up $26 from $257 in 2025. Both figures come from CMS's official fact sheet, published November 14, 2025. Higher earners pay more through the income-related monthly adjustment amount (IRMAA): the surcharge starts at modified adjusted gross income above $109,000 for individuals or $218,000 for joint filers, and the total premium reaches $689.90 per month at the top tier (MAGI at or above $500,000 individual, $750,000 joint). Everyone enrolled in a Medicare Advantage plan still owes the Part B premium separately from any plan premium, even on a $0-premium plan. The Part A inpatient hospital deductible for 2026 is $1,736, also set by CMS in the same November 2025 announcement.
What is the Medicare Advantage out-of-pocket maximum for 2026?
CMS caps how much a Medicare Advantage plan can require you to pay out of pocket each year for covered Part A and Part B services. For 2026, that ceiling is $9,250 for in-network services, down slightly from $9,350 in 2025, per CMS's Final CY 2026 Standards for Part C Benefits, Bid Review and Evaluation, published April 16, 2025. Plans that also cover out-of-network care, mainly PPOs, can set a combined in-network and out-of-network ceiling of up to $13,900, per a KFF analysis of CMS's Medicare Advantage Enrollment, Benefit and Landscape files published June 5, 2026. These are legal maximums, not typical costs: KFF's same analysis found the average plan sets its actual in-network cap closer to $5,421. Use the out-of-pocket maximum calculator to see how a specific cap plays out against your own spending.
What is the Medicare Part D out-of-pocket cap in 2026?
Part D prescription drug spending is capped at $2,100 in 2026, per CMS's 2026 Medicare Advantage and Part D Rate Announcement, published April 7, 2025. This cap, created under the Inflation Reduction Act and adjusted annually for drug spending growth, applies once your covered drug costs for the year reach that threshold; after that, you owe nothing more for covered Part D drugs for the rest of the calendar year. Separately, and not subject to the annual cap adjustment, the Inflation Reduction Act also holds the copay for a month's supply of any covered insulin product at $35, a provision that continues in 2026. Both figures apply whether your drug coverage comes from a standalone Part D plan or a Medicare Advantage plan that includes drug coverage (MAPD).
When are the 2026 Medicare enrollment windows?
Your Initial Enrollment Period (IEP) is the 7-month window around your 65th birthday: the 3 months before, your birthday month, and the 3 months after. The Annual Enrollment Period (AEP), when most people switch Medicare Advantage or Part D plans for the following year, runs October 15 to December 7, with new coverage starting January 1. Current Medicare Advantage members get an additional Medicare Advantage Open Enrollment Period (MA OEP) from January 1 to March 31 to make one plan change. Use the enrollment period calculator to find your exact dates, or see the full enrollment periods guide.
Methodology
Every figure on this page is drawn from a named, dated primary source, either a CMS fact sheet or announcement, or a named secondary analysis of CMS's own enrollment and benefit data where CMS does not publish a single consolidated figure (the Medicare Advantage combined out-of-pocket maximum). No figure is carried over from a prior year: each was checked against the current 2026 CMS release before publication. The full source list, with publication dates, is in the summary table above and in the downloadable CSV. This page was last checked against CMS sources on July 2, 2026, and will be revisited when CMS publishes updated figures for the following plan year.
Download the data
The full table, including every source name and publication date, is available as a CSV: download the 2026 Medicare cost and enrollment reference (CSV).
FAQs
What is the standard Medicare Part B premium in 2026?
It rose to $202.90 a month this year, a jump of $17.90 from the 2025 amount. That's the figure most enrollees pay; anyone above the IRMAA income thresholds owes more, topping out at $689.90 a month for the highest earners. CMS's November 14, 2025 fact sheet is the source for both numbers.
What is the Medicare Advantage out-of-pocket maximum for 2026?
CMS's legal ceiling is $9,250 for in-network costs, with a higher combined cap of $13,900 for plans that also cover out-of-network care. Those are maximums, not typical bills: insurers are free to set their own caps below that line, and most do. See the table above for the source documents behind each figure.
What is the Medicare Part D out-of-pocket cap in 2026?
Covered drug spending stops costing you anything extra once it reaches $2,100 in a calendar year, a limit created by the Inflation Reduction Act and adjusted annually. The rule applies the same way whether the coverage comes from a standalone Part D plan or a Medicare Advantage plan that bundles in drug benefits.