2025 Medicare Cost Sharing
(from https://www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles)
Hospital Deductible: $1,676 / Benefit period
Hospital Coinsurance:
- Days 0-60: $0
- Days 61-90: $419 / Day
- Days 91-150: $838 Day (Lifetime Reserve Days)
Skilled Nursing Facility Coinsurance:
- Days 1-20: $0
- Days 21-100: $209.50 / Day
Part A Premium (For voluntary enrollees only)
- With 30-39 quarters of Social Security coverage: $285 / Month
- With 29 or fewer quarters of Social Security coverage: $518 / Month
Part B
- Deductible: $257 / Year
- Standard Premium: $185/Month (If individual income is <$103,000/Year)
Part B Income-Related Premium
Since 2007, a beneficiary’s Part B monthly premium has been based on his or her income. These income-related monthly adjustment amounts affect roughly 8% of people with Medicare Part B. The 2025 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table:
Similarly, Since 2011, a beneficiary’s Part D monthly premium has been based on his or her income. Approximately 8% of people with Medicare Part D pay these income-related monthly adjustment amounts. These individuals will pay the income-related monthly adjustment amount in addition to their Part D premium. Part D premiums vary by plan and, regardless of how a beneficiary pays their Part D premium, the Part D income-related monthly adjustment amounts are deducted from Social Security benefit checks or paid directly to Medicare. The 2025 Part D income-related monthly adjustment amounts for high-income beneficiaries are shown in the following table:
| Single Filers | Joint Returns | IRMAA |
| Less than or equal to $106,000 | Less than or equal to $212,000 | $0.00 |
| Greater than $106,000 and less than or equal to $133,000 | Greater than $212,000 and less than or equal to $266,000 | $13.70 |
| Greater than $133,000 and less than or equal to $167,000 | Greater than $266,000 and less than or equal to $334,000 | $35.30 |
| Greater than $167,000 and less than or equal to $200,000 | Greater than $334,000 and less than or equal to $400,000 | $57.00 |
| Greater than $200,000 and less than $500,000 | Greater than $400,000 and less than $750,000 | $78.60 |
| Greater than or equal to $500,000 | Greater than or equal $750,000 | $85.80 |
2026 Medicare Cost Sharing
(from https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles)
Hospital Deductible: $1,736 / Benefit period
Hospital Coinsurance:
- Days 0-60: $0
- Days 61-90: $434 / Day
- Days 91-150: $868 Day (Lifetime Reserve Days)
Skilled Nursing Facility Coinsurance:
- Days 1-20: $0
- Days 21-100: $217 / Day
Part A Premium (For voluntary enrollees only)
- With 30-39 quarters of Social Security coverage: $311 / Month
- With 29 or fewer quarters of Social Security coverage: $565 / Month
Part B
- Deductible: $283 / Year
- Standard Premium: $202.90/Month (If individual income is <$103,000/Year)
Beginning in 2023, individuals whose full Medicare coverage ended 36 months after a kidney transplant, and who do not have certain other types of insurance coverage, can elect to continue Part B coverage of immunosuppressive drugs by paying a premium. For 2026, the standard immunosuppressive drug premium is $121.60.
Medicare Part B Income-Related Monthly Adjustment Amounts
Since 2007, a beneficiary’s Part B monthly premium has been based on his or her income. These income-related monthly adjustment amounts affect roughly 8% of people with Medicare Part B. The 2026 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table:
| Full Part B Coverage | |||
|---|---|---|---|
| Beneficiaries who file individual tax returns with modified adjusted gross income: | Beneficiaries who file joint tax returns with modified adjusted gross income: | Income-Related Monthly Adjustment Amount | Total Monthly Premium Amount |
| Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 | $202.90 |
| Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $81.20 | $284.10 |
| Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $202.90 | $405.80 |
| Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $324.60 | $527.50 |
| Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $446.30 | $649.20 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $487.00 | $689.90 |
The 2026 Part B total premiums for high-income beneficiaries who only have immunosuppressive drug coverage under Part B are shown in the following table:
| Part B Immunosuppressive Drug Coverage Only | |||
|---|---|---|---|
| Beneficiaries who file individual tax returns with modified adjusted gross income: | Beneficiaries who file joint tax returns with modified adjusted gross income: | Income-Related Monthly Adjustment Amount | Total Monthly Premium Amount |
| Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 | $121.60 |
| Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $81.10 | $202.70 |
| Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $202.70 | $324.30 |
| Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $324.30 | 445.90 |
| Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $445.90 | $567.50 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $486.50 | $608.10 |
Premiums for high-income beneficiaries with full Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
| Full Part B Coverage | ||
|---|---|---|
| Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses with modified adjusted gross income: | Income-Related Monthly Adjustment Amount | Total Monthly Premium Amount |
| Less than or equal to $109,000 | $0.00 | $202.90 |
| Greater than $109,000 and less than $391,000 | $446.30 | $649.20 |
| Greater than or equal to $391,000 | $487.00 | $689.90 |
Premiums for high-income beneficiaries with immunosuppressive drug only Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
| Part B Immunosuppressive Drug Coverage Only | ||
|---|---|---|
| Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses with modified adjusted gross income: | Income-Related Monthly Adjustment Amount | Total Monthly Premium Amount |
| Less than or equal to $109,000 | $0.00 | $121.60 |
| Greater than $109,000 and less than $391,000 | $445.90 | $567.50 |
| Greater than or equal to $391,000 | $486.50 | $608.10 |
For more information on the 2026 Medicare Parts A and B premiums and deductibles (CMS-8089-N, CMS-8090-N, CMS-8091-N), please visit https://www.federalregister.gov/public-inspection.
Medicare Part D Income-Related Monthly Adjustment Amounts
Since 2011, a beneficiary’s Part D monthly premium has been based on his or her income. Approximately 8% of people with Medicare Part D pay these income-related monthly adjustment amounts. These individuals will pay the income-related monthly adjustment amount in addition to their Part D premium. Part D premiums vary by plan and, regardless of how a beneficiary pays their Part D premium, the Part D income-related monthly adjustment amounts are deducted from Social Security benefit checks or paid directly to Medicare. Roughly two-thirds of beneficiaries pay premiums directly to the plan while the remainder have their premiums deducted from their Social Security benefit checks. The 2026 Part D income-related monthly adjustment amounts for high-income beneficiaries are shown in the following table:
| Part D | ||
|---|---|---|
| Beneficiaries who file individual tax returns with modified adjusted gross income: | Beneficiaries who file joint tax returns with modified adjusted gross income: | Income-related monthly adjustment amount |
| Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 |
| Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $14.50 |
| Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $37.50 |
| Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $60.40 |
| Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $83.30 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $91.00 |
Premiums for high-income beneficiaries who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
| Part D | |
|---|---|
| Beneficiaries who are married and lived with their spouses at any time during the year, but file separate tax returns from their spouses with modified adjusted gross income: | Income-related monthly adjustment amount |
| Less than or equal to $109,000 | $0.00 |
| Greater than $109,000 and less than $391,000 | $83.30 |
| Greater than or equal to $391,000 | $91.00 |