Quick answer
The standard Medicare Part B premium is $202.90 per month in 2026. The Part B deductible is $283. Higher-income Medicare beneficiaries may also pay IRMAA on top of the standard Part B premium.
Why your Part B premium can be higher
Medicare Part B has a standard monthly premium, but IRMAA can add an income-related surcharge. IRMAA is based on Medicare MAGI from two years earlier and can also apply to Medicare Part D.
For 2026 premiums, Medicare generally uses 2024 Medicare MAGI. A Roth conversion, RMD, capital gain, home sale, or other taxable income event can move a household into a higher bracket.
See the 2026 IRMAA brackets or review what counts in Medicare MAGI.
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Sponsor this placementHow to estimate your full premium impact
The standard Part B premium does not show the full picture when IRMAA applies. A useful estimate should include Part B IRMAA, Part D IRMAA, and the annual impact of a one-time income decision.
Part B premium 2026 FAQ
- What is the standard Part B premium in 2026?
- The standard Medicare Part B premium is $202.90 per month in 2026.
- What is the 2026 Part B deductible?
- The Part B deductible is $283 in 2026.
- Why does income affect my Medicare premium?
- Income can affect Medicare premiums through IRMAA, the Income-Related Monthly Adjustment Amount. Medicare uses income brackets tied to Medicare MAGI.
- Does IRMAA affect Part D too?
- Yes. Higher-income beneficiaries can owe a Part D IRMAA amount in addition to any prescription drug plan premium.
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Official sources
Last reviewed: May 18, 2026. Premium and surcharge amounts should be checked against official sources before making financial decisions.