Look beyond the premium
A lower monthly premium does not automatically mean lower total cost. Add deductibles, copays, coinsurance, drug costs, and — for Advantage — the maximum out-of-pocket.
2026 Original Medicare snapshot
Part B premium $202.90/month (standard). Part B deductible $283. Part A deductible $1,736 per benefit period. Part B coinsurance is typically 20% after the deductible.
Income can matter
Higher-income beneficiaries may pay IRMAA for Part B and Part D. Thresholds are based on tax returns from two years prior and can change.
Help that may be available
Medicare Savings Programs and Extra Help may reduce costs for people who qualify. Eligibility is not guaranteed.
Related Medicare topics
Important: We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program. This page is general education. Availability, eligibility, costs, and benefits can vary by plan and area.