{
  "title": "Medicare Costs 2026: Every Premium, Deductible and Out-of-Pocket Limit",
  "canonical": "https://quantcalc.app/medicare-costs-2026/",
  "status": "OFFICIAL",
  "license": "CC-BY-4.0",
  "date_modified": "2026-10-11",
  "sources": [
    {
      "label": "CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)",
      "url": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles"
    },
    {
      "label": "Medicare.gov, Medicare costs (what you pay in 2026)",
      "url": "https://www.medicare.gov/basics/costs/medicare-costs"
    },
    {
      "label": "CMS, CY 2026 Rate Announcement (7 April 2025), Table V-2 Part D benefit parameters",
      "url": "https://www.cms.gov/files/document/2026-announcement.pdf"
    },
    {
      "label": "CMS, Annual Release of Part D National Average Bid Amount (28 July 2025)",
      "url": "https://www.cms.gov/files/document/july-28-2025-parts-c-d-announcement.pdf"
    },
    {
      "label": "CMS, CY 2026 MOOP and Cost Sharing Limit Calculations",
      "url": "https://www.cms.gov/files/zip/cy-2026-moop-and-cost-sharing-limit-calculations.zip"
    },
    {
      "label": "CMS, CY 2027 MOOP and Cost Sharing Limit Calculations",
      "url": "https://www.cms.gov/files/zip/cy-2027-moop-cost-sharing-limit-calculations.zip"
    },
    {
      "label": "CMS, Medigap high-deductible Plans F, G and J: deductible for 2026 (October 2025)",
      "url": "https://www.cms.gov/files/document/cy2026-medigap-high-deductible-options-fjg-pdf.pdf"
    },
    {
      "label": "CMS, Out-of-pocket limits for Medigap Plans K and L for 2026 (October 2025)",
      "url": "https://www.cms.gov/files/document/cy-2026-oop-limits-medigap-plans-kl-pdf.pdf"
    },
    {
      "label": "Medicare.gov, Help with drug costs (Extra Help limits for 2026)",
      "url": "https://www.medicare.gov/basics/costs/help/drug-costs"
    },
    {
      "label": "20 CFR §418.1135 (the tax year two years earlier)",
      "url": "https://www.ecfr.gov/current/title-20/chapter-III/part-418/subpart-B/section-418.1135",
      "verified": "2026-10-11 (eCFR API): 'we will use your modified adjusted gross income provided by IRS for the tax year 2 years prior to the effective year of the income-related monthly adjustment amount determination.'"
    }
  ],
  "figures": {
    "part_a": {
      "premium": {
        "quarters_40_plus": 0,
        "quarters_30_39": 311,
        "under_30_quarters": 565
      },
      "deductible": {
        "2025": 1676,
        "2026": 1736
      },
      "days_61_90": 434,
      "lifetime_reserve": 868,
      "snf_21_100": 217
    },
    "part_b": {
      "premium": {
        "2025": 185,
        "2026": 202.9
      },
      "deductible": {
        "2025": 257,
        "2026": 283
      },
      "irmaa_total_premium": [
        {
          "single_over": 109000,
          "joint_over": 218000,
          "monthly": 284.1
        },
        {
          "single_over": 137000,
          "joint_over": 274000,
          "monthly": 405.8
        },
        {
          "single_over": 171000,
          "joint_over": 342000,
          "monthly": 527.5
        },
        {
          "single_over": 205000,
          "joint_over": 410000,
          "monthly": 649.2
        },
        {
          "single_over": 500000,
          "joint_over": 750000,
          "monthly": 689.9
        }
      ]
    },
    "part_d": {
      "deductible_max": 615,
      "out_of_pocket_cap": 2100,
      "base_beneficiary_premium": 38.99,
      "irmaa": [
        {
          "single_over": 109000,
          "joint_over": 218000,
          "monthly": 14.5
        },
        {
          "single_over": 137000,
          "joint_over": 274000,
          "monthly": 37.5
        },
        {
          "single_over": 171000,
          "joint_over": 342000,
          "monthly": 60.4
        },
        {
          "single_over": 205000,
          "joint_over": 410000,
          "monthly": 83.3
        },
        {
          "single_over": 500000,
          "joint_over": 750000,
          "monthly": 91
        }
      ]
    },
    "medicare_advantage_moop": {
      "in_network_2026": 9250,
      "combined_2026": 13900,
      "in_network_2025": 9350,
      "in_network_2027": 9850,
      "combined_2027": 14800,
      "verified": "2026-10-11, CMS 'CY 2026 MOOP and Cost Sharing Limit Calculations' (zip, MOOP Limits.csv): Table 1 row G 'Final CY 2026 in-network lower and mandatory MOOP limit dollar ranges ... $6,751.00 to $9,250.00'; Table 3 row E mandatory '$6,751.00 to $13,900.00' (combined and total catastrophic); Table 4 'Final CY 2025 MOOP Limits ... $9,350.00'. 'CY 2027 MOOP and Cost Sharing Limit Calculations': Table 4 'Final CY 2027 MOOP Limits $4,450.00 $7,150.00 $9,850.00'; Table 3 row C mandatory '$14,800.00'. medicare.gov Costs: Medicare Advantage out-of-pocket limit 'Varies by plan. Once you pay the plan's limit, the plan pays 100% of your covered health services for the rest of the calendar year.'"
    },
    "medigap": {
      "high_deductible_f_g_j": 2950,
      "plan_k_oop": 8000,
      "plan_l_oop": 4000
    },
    "extra_help_income_below": {
      "single": 23940,
      "couple": 32460
    }
  }
}