Medicare Part B enrollees will pay at least $202.90 a month in 2026, up from the $185 monthly premium this year, according to figures released Nov. 14 by the Centers for Medicare and Medicaid Services (CMS).

Part B covers doctor visits, outpatient services, some home health services, and other health care products not covered by Medicare Part A, which deals primarily with hospital, nursing facility, hospice, and inpatient care.

Part B premiums for 2026 will be determined by an Income-Related Monthly Adjustment Amount (IRMAA) based on income levels from 2024 tax filings. Those with a modified adjusted gross income of less than or equal to $109,000 (for individual filers) or $218,000 (for joint filers) will pay the base amount of $202.90.

The monthly premium amounts for 2026 for those with the higher modified adjusted gross incomes:

• $109,001 to $137,000 (individual) or $218,001 to $274,000 (joint) will pay $284.10, up from $259 in a similar bracket from 2025.
• $137,001 to $171,000 (individual) or $274,001 to $342,000 (joint) will pay $405.80, up from $370.
• $171,001 to $205,000 (individual) or $342,001 to $410,000 (joint) will pay $527.50, up from $480.90.
• $205,001 to $499,999 (individual) or $410,001 to $749,999 (joint) will pay $649.20, up from $591.90.
• $500,000 or more (individual) or $750,000 or more (joint) will pay $689.90, up from $628.90.

Income brackets are adjusted annually for inflation. The 2026 premiums will rise about 9.7% from this year’s levels across all brackets, the same as the increase in the base premium amount.

[RELATED: What Is IRMAA, and What Does It Mean for My Medicare Premium?]

Married beneficiaries who live with their spouse but file a separate return have a different IRMAA scale: Those with less than $109,000 in modified adjusted gross income on their 2024 returns still pay the $202.90 base premium in 2026, but those with income above that level and below $391,000 will pay $649.20 a month. Those with income at or above $391,000 will pay $689.90 per month.

The annual Part B deductible will be $283 for all patients in 2026, up from $257 this year.

More Resources

• Visit the official Medicare website to learn more about Parts A and B, and for a list of phone, web, and email contacts for all Medicare-related services. You can also find information on Medicare’s open enrollment period, which runs through Dec. 7.
  
  
• MOAA Premium and Life members can access Aging Into Medicare and TRICARE For Life, a digital guide designed to ease your health care transition and answer many common questions. Prefer a PDF? Premium and Life members can download one here.
  
  
• Have questions about Medicare Part C, also known as Medicare Advantage? MOAA partners with Veterans Healthcare to help members research plans designed with military retirees and veterans in mind. These plans include additional benefits not offered under Original Medicare, which may include a Part B premium giveback. Request a consultation to review your options.