Medicare Part B covers essential medical services such as doctor visits, outpatient care, home health services, and some preventive services. Every year, the Centers for Medicare & Medicaid Services (CMS) adjusts the premiums and deductibles for Medicare Part B based on projected healthcare spending and inflation.
For 2026, beneficiaries can expect modest increases in monthly premiums, although the final rates will not be officially announced until the fall of 2025. These changes impact all individuals enrolled in Original Medicare and some who receive Medicare Advantage coverage as well.
Table of Contents
Estimated Monthly Premium for 2026
The standard Medicare Part B premium in 2025 was $179.80 per month. Early forecasts suggest the 2026 premium could rise to around $186–$190 per month, depending on the final healthcare cost data.
Higher-income beneficiaries may pay more due to the Income-Related Monthly Adjustment Amount (IRMAA). Here’s a look at projected premium brackets:
| Income (Single) | Income (Married Filing Jointly) | Estimated Monthly Premium (2026) |
|---|---|---|
| $103,000 or less | $206,000 or less | $186–$190 (standard rate) |
| $103,001–$129,000 | $206,001–$258,000 | $264+ |
| $129,001–$161,000 | $258,001–$322,000 | $330+ |
| Over $161,000 | Over $322,000 | $395+ or more |
Final numbers will be released by CMS by October 2025.
What About the Annual Deductible?
The annual deductible for Part B in 2025 was $240. It’s expected to increase to about $250–$255 in 2026. You must pay this deductible before Medicare starts covering your outpatient services.
After the deductible is met, you typically pay 20% of the Medicare-approved amount for services.
How Premiums Are Deducted
If you receive Social Security, Railroad Retirement, or Office of Personnel Management (OPM) benefits, your Part B premium is automatically deducted from your monthly check. If not, you’ll get a bill every three months.
For most people, this deduction happens seamlessly, but changes to premium amounts can still affect your Social Security benefit if the increase is higher than your COLA adjustment.
Tips to Manage Costs
- Consider comparing Medicare Advantage plans which may offer lower premiums and added benefits.
- Explore Medicare Savings Programs if your income is limited—they can help pay Part B premiums.
- Review your annual Medicare Plan Finder each fall to check for better options.
Frequently Asked Questions (FAQs)
1. Do I have to pay the Medicare Part B premium if I have a Medicare Advantage plan?
Yes, you still pay the standard Part B premium even if you enroll in a Medicare Advantage plan, unless the plan covers it for you (rare cases).
2. Can my Social Security check go down because of a Part B premium increase?
Yes, if the Medicare premium increase is larger than your annual COLA, your net Social Security benefit could decrease slightly.
3. How can I apply for help paying the Part B premium?
You can apply for a Medicare Savings Program through your state Medicaid office. These programs help low-income individuals cover premiums, deductibles, and co-pays.
4. Is Medicare Part B required?
No, it’s optional. However, if you delay enrollment without other credible coverage, you may face a lifelong penalty when you do enroll.