Part A (Hospital Insurance) costs
Part A costs: What you pay in 2026
Premium
$0 for most people (because they or a spouse paid Medicare taxes long enough while working — generally at least 10 years). If you get Medicare earlier than age 65, you won't pay a Part A premium. This is sometimes called "premium-free Part A."
If you don't qualify for premium-free Part A: You might be able to buy it. You'll pay either $311 or $565 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.
Remember:
If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty. Find out more about how to avoid the Part A penalty.
Deductible
$1,736 for each inpatient hospital benefit period, before Original Medicare starts to pay.
There's no limit to the number of benefit periods you can have in a year. This means you may pay the deductible more than once in a year. How do benefit periods work?
Inpatient stay
Days 1-60: $0 after you pay your Part A deductible.
Days 61-90: $434 each day.
Days 91-150: $868 each day while using your 60 lifetime reserve days.
Skilled Nursing & Hospice (Part A)
Skilled Nursing Facility (SNF)
Days 1–20: $0
Days 21–100: $217.00 per day
After day 100: you pay all costs
Hospice Care
Generally $0 for hospice care
Small copay for outpatient prescription drugs for symptom control
5% of the Medicare-approved amount for inpatient respite care
Good to know: Costs can change and depend on specific circumstances. Always confirm your eligibility and exact coverage details with your plan provider.
MEDICARE PART B (MEDICAL) COSTS
2026 Out-of-Pocket Estimates
Standard Monthly Premium
The amount automatically deducted from Social Security benefits for most enrollees.
$202.90
*Projected average
Annual Deductible
The out-of-pocket amount you must reach before Medicare begins paying its 80% share for covered services.
$283.00
Standard Coinsurance
Your ongoing share of the costs for most doctor visits, outpatient therapy, and durable medical equipment.
20%
IRMAA Surcharge
Income-Related Monthly Adjustment Amount applies only if your modified adjusted gross income exceeds specific thresholds. Contact us for more details.
Varies
Harmony Health & Life Insurance Partners LLC
Headquartered in Reno, NV
Phone:
Email: [email protected]
Service Areas
Proudly licensed and serving individuals and families across the following states: Nevada (NV), California (CA), Arizona (AZ), Oregon (OR), Washington (WA), Texas (TX), Georgia (GA), Florida (FL), Ohio (OH), and North Carolina (NC).
Important Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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