Medicare Part B Premium 2026: How Much You’re Paying — and What’s Changing

Medicare Part B premiums are costing seniors $185 per month in 2026 — an increase from $174.70 in 2025. Here’s everything you need to know about what’s covered, what’s changed, and how to lower your costs.

2026 Medicare Part B Costs

• Standard monthly premium: $185.00
• Annual deductible: $257
• Coinsurance: 20% of Medicare-approved amount after deductible

Higher-Income Surcharge (IRMAA)

If your income exceeds $106,000 (single) or $212,000 (married), you pay more:

• $106,001–$133,000: +$74/month surcharge
• $133,001–$167,000: +$187/month
• $500,001+: +$443/month

Can You Get Medicare for Less?

Yes — the Extra Help program (Low-Income Subsidy) can reduce or eliminate your Part B premium and Part D drug costs. Apply through SSA.gov or your local Social Security office.

📌 Source: Medicare.gov, CMS.gov | 2026 data