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.
Check the number that matters for your household
The standard premium is only the starting point. If your 2024 Medicare MAGI is near an IRMAA threshold, test the household impact before a Roth conversion, RMD, 401(k) withdrawal, gain, or home sale.
Did the 2026 Part B premium go up?
Yes. The standard Part B premium rose from $185.00 per month in 2025 to $202.90 per month in 2026 — an increase of $17.90 per month, or about $214.80 more per year per person. The annual Part B deductible also rose to $283 for 2026. Most people have the premium deducted directly from their Social Security benefit.
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 placement2026 Medicare Part B premium by income (IRMAA)
Higher-income beneficiaries pay the standard premium plus a Part B IRMAA surcharge. Here is the total monthly Part B premium per person for 2026, based on the Medicare MAGI from your 2024 tax return:
| Single MAGI (2024) | Married filing jointly | Part B IRMAA / mo | Total Part B / mo |
|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $0.00 | $202.90 |
| $109,001–$137,000 | $218,001–$274,000 | $81.20 | $284.10 |
| $137,001–$171,000 | $274,001–$342,000 | $202.90 | $405.80 |
| $171,001–$205,000 | $342,001–$410,000 | $324.60 | $527.50 |
| $205,001–$499,999 | $410,001–$749,999 | $446.30 | $649.20 |
| ≥ $500,000 | ≥ $750,000 | $487.00 | $689.90 |
Married filing separately uses different thresholds, and Part D IRMAA is charged separately on top of these Part B amounts. See the full 2026 IRMAA brackets, including Part D, or review what counts in Medicare MAGI.
How 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.