In 2026, most people pay $202.90 a month for Part B (medical insurance: doctor visits and outpatient care). You also pay a $283 yearly deductible, then usually 20% of the cost for each covered service.
The amounts
2026
2027
Standard monthly premium
$202.90Official
$209.50Estimate
Yearly deductible
$283Official
$292Estimate
An estimate is a projection from the source it cites, not an official amount.
What matters most
The monthly premium
In 2026, the standard Part B premium is $202.90 a month. Most people pay this amount.
A yearly deductible, then 20%
In 2026, you pay a $283 deductible once for the year. After that, you usually pay 20% of the cost for each covered service.
Higher earners pay more
About 8% of people pay a higher Part B premium because of their income.
Want the detail? How it works, a worked example and common mix-ups are in .
Words on this page
Premium
the amount you pay every month to have a type of Medicare coverage
Deductible
the amount you pay for care yourself before Medicare starts to pay
Coinsurance
a percentage of the cost you pay, like 20%
Who can answer for your situation
Social Security can tell you your exact monthly Part B premium, including whether your income means you'll pay more.
Original Medicare has no yearly cap on the 20% you pay, and this explains what that means.
How Part B costs add up
First, there's a monthly premium. In 2026, the standard amount is $202.90 a month, and most people pay exactly that.
Next comes the yearly deductible. In 2026, you pay the first $283 yourself before Original Medicare starts to pay.
After the deductible, you usually pay 20% of the cost for each covered service. This share is called coinsurance.
If your income is higher
A small share of people pay more than the standard premium. About 8% of people with Part B pay a higher amount, because the premium is based on income.
In 2026, the higher amounts start above $109,000 of income on an individual tax return, or $218,000 on a joint return.
An example
Say you see the doctor early in 2026. First you pay toward your $283 yearly deductible. Once that's met, for a $200 covered service you'd usually pay 20%, which is $40.
Common mix-ups
These are the pairs people most often mix up.
Premium vs. deductible
The premium is what you pay each month to have Part B, even if you don't get any Part B-covered services. The deductible is a separate amount ($283 in 2026) you pay before Original Medicare starts to pay.
Standard premium vs. a higher one
Most people pay the standard $202.90 in 2026. About 8% pay more, because of their income.
Yes. Medicare Savings Programs are state programs that help pay your Medicare premiums, and sometimes your deductibles, coinsurance, and copayments, if your income and resources are limited. You apply through your state.
The web shows only the closest connections, so it stays a guide rather than a maze.
Can I trust this?
Checked by TapTap. Every fact on this page was checked against the official sources it quotes, on September 28, 2026.
Checking compares each fact with the official source it quotes. It isn’t medical or legal advice.
Dates
Takes effect
January 1, 2026
Next check due
November 30, 2026
Plan year
2027
Sources
CMS.gov
2026 Medicare Parts A & B Premiums and Deductibles
1 What the source says · Medicare Part B Premium and Deductible
The standard monthly premium for Medicare Part B enrollees will be $202.90 for 2026, an increase of $17.90 from $185.00 in 2025.
Checked September 27, 2026
2 What the source says · Medicare Part B Premium and Deductible
The annual deductible for all Medicare Part B beneficiaries will be $283 in 2026, an increase of $26 from the annual deductible of $257 in 2025.
Checked September 27, 2026
3 What the source says · 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.
7 What the source says · Part B Financial Status (page 87) Estimate
In 2026 the monthly Part B premium rate is $202.90, which is higher than the 2025 monthly premium of $185.00. The estimated monthly premium for 2027 is $209.50.
Checked September 27, 2026
8 What the source says · Table V.E2, SMI Cost-Sharing and Premium Amounts (page 207): the 2027 row, Part B standard monthly premium, then Part B annual deductible Estimate
Intermediate estimates: 2027 209.50 292
Checked September 27, 2026
10 What the source says · Table V.E3, Part B Income-Related Premium Information, notes (page 209)
In 2026 the initial threshold is $109,000 for an individual tax return and $218,000 for a joint return.
General education, not individualized advice. For your own situation, you can call 1-800-MEDICARE or your State Health Insurance Assistance Program (SHIP).
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