The Medicare premium, high income surcharge, and penalty information for Parts A, B, and D, shown below, applies to everyone. This includes those in Original Medicare as well as those in Medicare Advantage Plans.
However, the deductible, copay, and co-insurance information below is only for those in Original Medicare Parts A and B. Medicare Advantage Plans have their own deductibles, copays and co-insurance.
Also refer to our Income Related Monthly Adjustment Amount (IRMAA) FAQs for higher income Medicare recipients.
Go here for information on the Part B penalty.
Go here for information on the Part D penalty.
Medicare Premiums for Part A, Part B, and Part D
All costs are for calendar year 2026 without any Medicare Supplement
Part A Hospital Insurance Premium
Most people pay $0 each month for Part A because they contributed to SSA/Medicare for 40 quarters (about 10 years) either on their own or their spouse’s work record. If one has between 30 and 39 quarters, they may buy into Part A for $311 per month. If less than 30 quarters, one may buy into Part A for $565 per month.
Hospital Stay
- $1,736 deductible for days 1-60 of each Benefit Period. A benefit period starts upon admittance to the Hospital and ends after you have been out of the Hospital or a Skilled Nursing facility for 60 consecutive days.
- $434 per day for days 61-90 each Benefit Period
- $868 per day for Lifetime Reserve Days. Lifetime Reserve Days are 60 extra days of coverage you can use in your lifetime. One is responsible for all costs for each day over 90 days once Lifetime Reserve Days are exhausted.
Skilled Nursing Facility Stay
- $0 for the first 20 days each Benefit Period.
- $217 per day for days 21-100 of each Benefit Period. One is responsible for all costs after a stay of 100 days in any Benefit Period.
Part B Outpatient Services Premium and Cost Sharing
People enrolled in Medicare must pay a $202.90 monthly premium. This applies to those enrolled in Medicare Advantage Plans and those using traditional Medicare with a supplement. With original Medicare, there is a $283 annual deductible where one pays the full amount of the Medicare approved amount until the deductible is met. After the deductible, there is 20% coinsurance, based on the Medicare assigned rate, for most doctor services, outpatient therapy, mental health, and durable medical equipment. There is no maximum out of pocket limit on the co-insurance responsibility. Expensive procedures such as Kidney Dialysis or Chemotherapy can result in co-insurance liability of over $10,000.
Many Preventive Procedures, Clinical Laboratory Services and Home Health Care Services are fully covered by Medicare with no cost.
Blood Transfusions
Blood transfusions in an Inpatient Hospital setting are fully covered with the patient responsible for the cost of the first 3 units. In an outpatient setting, one pays 20% of the Medicare approved amount after paying the full cost of the first 3 units.
PARTS B and D Income Adjustments (IRMAA) for Higher Income Beneficiaries
An Income Related Medicare Adjustment Amount (IRMAA) is a surcharge added for one year to the monthly Medicare Part B and Part D premiums. It is based on yearly income. The Social Security Administration (SSA) uses income tax information from tax year 2024 (the most recent they have) to determine an IRMAA in addition to the monthly premium. Medicare Advantage plans in Contra Costa are also subject to the Part D adjustment. One can always appeal this adjustment based on a ‘life changing event’ such as retiring, divorce, etc.
For more information on IRMAA, including adjustment amounts for this year, see Income Related Monthly Adjustment Amount (IRMAA) FAQs .