Medicare 2026 Cheat Sheet
Your quick-reference guide to Medicare costs, deadlines, and coverage for 2026.
2026 Medicare Quick Reference
Part A Costs (2026 Estimates)
- Premium: $0 for most people
- Deductible: $1,736 per benefit period
- Days 1-60: $0 copay after deductible
- Days 61-90: $434/day copay
Part B Costs (2026)
- Standard premium: $202.90/month
- Deductible: $283 per year
- Coinsurance: 20% for most services
- IRMAA starts: 2024 MAGI above $109,000 single or $218,000 joint
2026 IRMAA at a glance
IRMAA extra is the surcharge. Extra / year is that surcharge times 12. Total monthly is the $202.90 standard Part B premium plus IRMAA. Amounts are per person.
| If 2024 MAGI is | IRMAA extra / mo | Extra / year | Total you pay / mo |
|---|---|---|---|
| $109,000 or less single / $218,000 or less joint | $0.00 | $0.00 | $202.90 |
| First IRMAA bracket | $95.70 | $1,148.40 | $298.60 |
| Highest bracket | $578.00 | $6,936.00 | $780.90 |
Full single and couple tables: What is IRMAA? or the IRMAA calculator.
Important Enrollment Periods
- Initial Enrollment Period: 3 months before, birthday month, 3 months after turning 65
- Annual Enrollment Period (AEP): Oct 15 – Dec 7
- Open Enrollment Period: Jan 1 – Mar 31 (MA plans only)
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