💰 COST CHANGES TO KNOW
Medicare Part A deductible: Medicare Part A covers inpatient hospital, skilled nursing facility, hospice, inpatient rehabilitation, and some home health care services.
- 2026 Deductible: $1,716
- Increase: $60 more than in 2025
- What it covers: Hospital stays (first 60 days)
Medicare Part B deductible: Medicare Part B covers physicians’ services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A.
- 2026 Deductible: $283
- Increase: $26 more than in 2025
- What it covers: Medical services, like doctor visits and outpatient care, after you meet the deductible
Medicare Part D deductible: Medicare Part D is optional prescription drug coverage offered by private insurance companies that contract with Medicare. It helps pay for brand-name and generic prescription drugs.
- Maximum 2026 Deductible: $615
- Increase: From $590 in 2025
- What it covers: Prescription drugs
- Note: Some plans may have a lower deductible or no deductible at all.
✅ THE GOOD NEWS
💊Prescription Costs Are Dropping
- New $2,100 yearly cap on out-of-pocket drug costs (Medicare Part D).
- Some high-cost medications will have lower prices thanks to Medicare negotiations.
💉Vaccines and Insulin Stay Affordable
- Vaccines like shingles and flu shots are usually free.
- Insulin will still cost no more than $35/month.
⚠️ WHAT TO WATCH FOR
- Plans May Change Benefits
Even if your plan name and price look the same, coverage and extras might change. - Extra Perks Might Disappear
Some plans may reduce or eliminate non-medical extras, such as food or ride programs. - Doctor Networks Can Change
Always check if your doctors and hospitals are still in your plan before re-enrolling.
For answers to your Medicare questions, you can contact official government resources such as 1-800-MEDICARE, the Social Security Administration (SSA), or your local State Health Insurance Assistance Program (SHIP).
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