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Costos de Medicare

Estima primas y otros costos según tu cobertura e ingresos.

Tus datos

Costos de Medicare

Estima primas y otros costos según tu cobertura e ingresos.
2026 RATES

CMS published Part A and Part B premiums and deductiblesmedicare-2026-cms-2025-11-verified2026-09-05

$Adjusted gross income plus tax-exempt interest, from 2024. Your 2026 premium is set from that year, not this one.
Filing separately while married uses a much steeper ladder than either of the other two.
Forty quarters is ten years and makes Part A free. A spouse's record can qualify you on its own.
Part D IRMAA is owed only if you have a Part D or Medicare Advantage drug plan. A $0-premium plan still owes it.
$What the plan charges before any income adjustment. $0 is a real premium on some plans and still owes the adjustment.
Medigap, or a part year

Only if they apply to you

$A supplement is priced by its insurer and appears in no federal table, so enter what you are quoted.
Twelve for a full year. Deductibles are not prorated with a shorter period.

Monthly premium total

$242.90$2,914.80 over 12 months · standard premium
No income adjustment
  • Your 2024 income is below the first threshold, so the standard $202.90 Part B premium applies.
  • The next rung starts above $109,000, which is $34,000 away. Crossing it by a single dollar costs $1,148.40 for a full year: this is a cliff, not a taper.
  • Each spouse enrolled in Medicare pays their own adjustment, so a couple filing jointly can pay it twice. Retirement or another life-changing event can be reported on form SSA-44 to have a later year used instead.
Part B premium$202.90Standard premium
Part A premiumFree40+ quarters of Medicare-taxed work
Owed before cover pays$283Part B a year, plus $1,736 per hospital benefit period
The 2024 income ladder for your filing status
2024 incomePart B / monthDrug adjustment
Up to $109,000 · you$202.90$0
Over $109,000$284.10+$14.50
Over $137,000$405.80+$37.50
Over $171,000$527.50+$60.40
Over $205,000$649.20+$83.30
From $500,000$689.90+$91.00

Part B pays 80% of the approved amount after its $283 deductible, and there is no cap on the other 20%. That is what Medigap and Medicare Advantage exist to cover, and why these totals are premiums rather than a cost of care.

Cómo lo calculamos
  1. Part A hospital40 or more quarters of Medicare-taxed workNo premium
  2. Part B medicalStandard premium, no income adjustment$202.90
  3. Drug coverageYour entered plan premium$40.00
  4. Monthly premium total$2,914.80 across twelve months$242.90
  5. Before any of it paysPart B annual deductible, plus $1,736 per hospital benefit period$283
Supuestos del cálculo
  • Your 2024 income is below the first adjustment threshold, so the standard premium applies. The next rung starts above $109,000.
  • These are 2026 premiums and deductibles from the published CMS tables. They are not a bill, and enrolling, plan availability, and any late-enrollment penalty are decided by Medicare and SSA.
  • Income-related adjustments for 2026 are set from the modified adjusted gross income on your 2024 return, which is adjusted gross income plus tax-exempt interest. Today's income does not change this year's premium.
  • The adjustment is a cliff, not a taper: one dollar over a threshold applies the whole next step for the year. Each spouse on Medicare pays their own adjustment, so a couple filing jointly can pay it twice.
  • A life-changing event such as retirement, the death of a spouse, or a work stoppage can be reported on form SSA-44 to have a more recent year used instead. SSA decides that, not this calculator.
  • Part A is premium-free with 40 quarters of Medicare-taxed work. The premiums shown for fewer quarters are the voluntary-enrollment amounts, and a spouse’s work record can qualify you without your own.
  • The Part A deductible is per benefit period, not per year: a new hospital stay more than 60 days after the last one starts a new one, so it can be owed more than once in a year.
  • Part B pays 80% of the approved amount after its annual deductible, and the remaining 20% has no cap. A total cost of care cannot be produced from these tables, which is why only premiums and deductibles are totalled here.
  • Drug plan and Medigap premiums are whatever the insurer charges and are entered by you. Any income adjustment on Part D is added to your plan premium and paid separately, usually to Medicare rather than the plan.
  • Medicare Advantage replaces the way Parts A and B pay rather than the Part B premium, which is still owed. Its own premium, network, and cost sharing are outside these tables.
  • Medicaid, a Medicare Savings Program, Extra Help, employer retiree coverage, and state pharmaceutical assistance can all reduce these amounts and are not modeled.
Detalles técnicos

Method medicare-cost-v1.0.0Data medicare-2026-cms-2025-11-verified2026-09-05

¿Discrepancia en los números? Puedes hacer clic en Informar de un resultado incorrecto abajo o escribir a hello@costanswer.com con las líneas de Método y Datos.

A hospital stay adds $1,736 per benefit period, then $434 a day from day 61 and $868 a day for the 60 lifetime reserve days. A skilled nursing stay costs $217 a day for days 21 to 100. None of these are premiums, and none are included above.

Guía

Costos de Medicare en 2026: Parte A, Parte B, Parte D y recargo IRMAA

CostAnswer editorialIndependent calculator publisher

Calcula primas mensuales, deducibles y recargos por altos ingresos (IRMAA) para beneficiarios del programa federal Medicare en el año 2026.

Partes del programa Medicare y el recargo IRMAA

La Parte A (hospitalaria) es gratuita para la gran mayoría con 40 créditos de trabajo. La Parte B (médica) tiene una prima mensual estándar deducida del Seguro Social.

Los beneficiarios con ingresos tributarios altos pagan un recargo mensual adicional denominado IRMAA tanto en la Parte B como en la Parte D de medicamentos recetados.

Preguntas frecuentes sobre esta calculadora

¿Cómo calcula el Seguro Social el recargo IRMAA de Medicare?

La SSA evalúa la declaración de impuestos federales de dos años atrás (por ejemplo, los impuestos de 2024 para la prima de 2026) y aplica tramos específicos a partir de ciertos umbrales de MAGI.

¿Qué penalización aplica por no inscribirse en la Parte B a los 65 años?

A menos que cuentes con cobertura médica activa basada en tu empleo actual, retrasar la inscripción conlleva una penalización vitalicia permanente del 10% acumulativo por cada año completo sin cobertura.

Términos utilizados

IRMAA
Income-Related Monthly Adjustment Amount: sobreprecio mensual en las primas de Medicare para personas con ingresos elevados.
Parte B de Medicare
Cobertura médica ambulatoria para consultas médicas, análisis clínicos y servicios preventivos.

Consejos prácticos

Si tus ingresos han disminuido significativamente debido a jubilación o divorcio, puedes apelar tu determinación de IRMAA mediante el formulario SSA-44.

Límites y advertencias

Primas oficiales reguladas anualmente por los CMS; no incluye primas privadas de planes Medicare Advantage o Medigap.

Los resultados son meramente informativos. No constituyen asesoramiento legal, fiscal, médico ni financiero. Cómo mantenemos los cálculos · Informar de una cifra incorrecta.

Notas del cálculo

Detalles sobre redondeos, versiones y límites del cálculo.

  • Premiums come from a return you already filed. The 2026 income-related adjustment is set from the modified adjusted gross income on your 2024 return: adjusted gross income plus tax-exempt interest. Nothing you earn this year changes this year's premium, and nothing you did in 2024 can be changed now.
  • The adjustment is a cliff, not a taper. Each rung applies in full the moment income passes its threshold. A single dollar over can cost hundreds of dollars across the year, and the amount does not phase in. The distance to your next threshold and what crossing it would cost are both shown, because that is the part a premium table never says.
  • Each boundary is read the way CMS prints it. Most rungs are "more than" a threshold, so income exactly at the figure stays on the lower rung. The top rung is "greater than or equal to", so income exactly at it moves up. Those two readings differ at the boundary, and the snapshot carries the rule per rung rather than assuming one.
  • Premiums are totalled, care is not. Part B pays 80% of the approved amount after its annual deductible, and the remaining 20% has no ceiling. No published table can turn that into a yearly cost, so this totals premiums and deductibles and says plainly where the arithmetic stops.

Datos del cálculo

De dónde sale cada cifra

This answer is built from published figures. Each one is named below, with the release it came from.

VERIFIEDCMS Medicare premiums and IRMAA brackets
Sets the figures this answer is made of. Without it the page says so rather than estimating.

Si alguna de las fuentes no está disponible o está desactualizada: Part B and Part D amounts, the deductibles and the IRMAA brackets are set by CMS for the year. None can be derived.

Fuentes

De dónde vienen los datos

CMS · 2026 Medicare Parts A & B Premiums and DeductiblesStandard Part B premium and deductible, the full Part B and Part D income-related adjustment tables by filing status, and every Part A deductible, coinsurance, and voluntary premium amount for 2026.Published 2025-11-14 · 2026 rates ↗CMS · Medicare Deductible, Coinsurance & Premium Rates: CY 2026 UpdateMedicare Learning Network article restating the same 2026 rates for claims processing.Published 2025-11-20 ↗SSA · POMS HI 01101.020, IRMAA sliding scale tablesThe sliding-scale tables SSA applies, and the rule that MAGI is taken from the return two years before the premium year.Verified 2026-09-05 ↗SSA · Request to lower an Income-Related Monthly Adjustment AmountForm SSA-44 and the life-changing events that allow a more recent year's income to be used instead.Verified 2026-09-05 ↗

A continuación

People working through saving and retirement and what things cost usually need these next.

DineroSubsidio de seguro médicoEstima la ayuda para la prima según ingresos y composición del hogar.DineroAhorro para la jubilaciónProyecta tus ahorros y aportaciones hasta la jubilación.DineroSalario después de impuestosConvierte un sueldo anual en ingreso neto federal, estatal y FICA.DineroComparar el costo de vidaCompara ingresos, vivienda y precios entre dos lugares de Estados Unidos.DineroAhorro 401(k)Proyecta tu ahorro para la jubilación con aportaciones y contribuciones del empleador.Compras¿Dónde cuesta menos?Compara niveles de precios entre estados con datos oficiales.