Medicare Deductible 2026: Part A, Part B, Part D and Medigap Plan G

Name: Medicare Deductible 2026: Part A, Part B, Part D and Medigap Plan G
Creator: QuantCalc
License: https://creativecommons.org/licenses/by/4.0/

Every Medicare deductible for 2026, Part A, Part B, Part D and high-deductible Medigap, with the 2025 amounts and the status of 2027.

The 2026 Medicare deductibles are $1,736 for Part A (each hospital benefit period) and $283 a year for Part B (CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)); a Part D plan may charge a deductible of up to $615 (CMS, CY 2026 Rate Announcement (7 April 2025), Table V-2 Part D benefit parameters), and high-deductible Medigap Plans F, G and J have a $2,950 deductible (CMS, Medigap high-deductible Plans F, G and J: deductible for 2026 (October 2025)).

Official Every 2025 and 2026 figure is CMS’s own. Each 2027 cell says whether it is official or the Medicare Trustees’ estimate; CMS has not announced the 2027 Part A and Part B amounts.

Medicare deductibles and coinsurance, 2025 to 2027 — 2025 and 2026 official; 2027 as labelled in each cell
Part	Amount	2025	2026	2027	Source
A	Hospital deductible, each benefit period	$1,676	$1,736	$1,788Trustees estimate	CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)
A	Hospital coinsurance, days 61–90 (per day)	$419	$434	$447Trustees estimate	CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)
A	Lifetime reserve days (per day)	$838	$868	$894Trustees estimate	CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)
A	Skilled nursing facility, days 21–100 (per day)	$209.50	$217	$223.50Trustees estimate	CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)
B	Deductible (yearly)	$257	$283	$292Trustees estimate	CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)
D	Deductible, the most a plan may charge	—	$615	$700official	CMS, CY 2027 Rate Announcement (6 April 2026), Table V-2 Part D benefit parameters
Medigap	High-deductible Plan F, G and J deductible	—	$2,950	Not yet announced	CMS, Medigap high-deductible Plans F, G and J: deductible for 2026 (October 2025)

The 2027 Part D deductible is official (CMS, CY 2027 Rate Announcement (6 April 2026), Table V-2 Part D benefit parameters). CMS has not announced the 2027 Part A and Part B amounts; the cells marked “Trustees estimate” are the 2026 Medicare Trustees Report’s intermediate estimates (Tables V.E1 and V.E2), which the Trustees say these values are estimates, and the actual amounts are likely to be somewhat different as experience emerges. Medicare deductibles 2027 →

How each deductible works

Part A is charged per benefit period, not per year: a period starts the day you are admitted and ends after 60 days in a row without inpatient or skilled nursing care, so two hospital stays in one year can mean two deductibles. Days 61–90 cost $434 a day, and the 60 lifetime reserve days $868 a day; skilled nursing days 21–100 cost $217 a day (CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)). The coinsurance amounts are fixed fractions of the deductible by law (42 U.S.C. §1395e (Social Security Act §1813)).

Part B is a calendar-year deductible: after the first $283 of Medicare-approved Part B costs you generally pay 20% (Medicare.gov, Medicare costs (what you pay in 2026)). Part D plans may set a lower deductible or none; out-of-pocket drug costs stop at $2,100 in 2026 (CMS, CY 2026 Rate Announcement (7 April 2025), Table V-2 Part D benefit parameters). Medigap high-deductible Plan G is open to people new to Medicare on or after January 1, 2020 (CMS, Medigap high-deductible Plans F, G and J: deductible for 2026 (October 2025)).

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Common questions

What is the Medicare deductible for 2026?

What is the Medicare Part B deductible for 2026?

$283 a year, up from $257 in 2025 (CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)).

What is the Medicare Part A deductible for 2026?

$1,736 for each benefit period, up from $1,676 in 2025 (CMS, 2026 Medicare Parts A & B Premiums and Deductibles (14 November 2025)). It covers your share of the first 60 days of inpatient hospital care in a benefit period.

What is the Part D deductible for 2026?

Plans may charge up to $615; for 2027 the maximum is $700 (CMS, CY 2027 Rate Announcement (6 April 2026), Table V-2 Part D benefit parameters).

What will the Medicare deductibles be in 2027?

CMS has not announced the Part A and Part B amounts; it usually does in mid-November. The 2026 Medicare Trustees Report estimates $1,788 for Part A and $292 for Part B — estimates, not official figures.

Sources

Every figure on this page is read at build time from one dataset and was checked against the text of the documents above on November 4, 2026. Every figure with its source: JSON. QuantCalc is calculation software, not tax, legal or benefits advice.

Every 2026 Medicare cost in one table → Medicare deductibles 2027 → 2026 Part B premium by income → 2027 Part B premium → Medicare Part D 2026 → 2026 IRMAA brackets →

Deductibles are the fixed part of Medicare; the income-based surcharge is the part your withdrawals control — see the whole picture in the free planner →