2026 Medicare rates now available
On November 14, 2025, the Centers for Medicare & Medicaid Services (CMS) released the 2026 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2026 Medicare Part D income-related monthly adjustment amounts.
| Medicare Parts A & B | 2025 | 2026 |
| Standard Part B – Monthly Premium | $185 | $202.90 |
| Part B – Annual Deductible | $257 | $283 |
| Part A – Annual Deductible | $1,676 | $1,736 |
| Medicare Supplement Plans | 2025 | 2026 |
| High-Deductible Plan G – Annual Deductible | $2,870 | $2,950 |
| Plan K – Max Out-of-Pocket Limit* | $7,220 | $8,000 |
| Plan L – Max Out-of-Pocket Limit* | $3,610 | $4,000 |
What this means for you
These cost share updates impact Medicare Supplement plan designs, premium calculations, and client budgeting. Please be sure to:
- Update your materials with the new deductible and premium amounts.
- Advise clients on IRMAA thresholds and potential premium adjustments.
- Prepare for increased interest in high-deductible Medicare Supplement options, which remain a cost-effective choice for low-utilization members. See our Medicare Supplement High-Deductible Plan G flyer.
See CMS Fact Sheet for more details on 2026 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2026 Medicare Part D income-related monthly adjustment amounts.
*For Plans K and L, after meeting the out-of-pocket yearly limit and the yearly Part B deductible ($283 in 2026), the Medicare Supplement plan pays 100% of covered services for the rest of the calendar year.
