The charts below is a comprehensive list of Medicare Part A and B costs, including premiums, deductibles, and coinsurance. Medicare supplemental insurance, known as Medigap, can help cover some of the gaps in coverage and pay for part or all of Medicare’s coinsurance and deductibles, depending on the policy. Some Medicare Advantage (MA) plans may also help cover these costs.
Cost Associated with Medicare
Part A (Hospital Insurance) Costs
Part A – Hospital Insurance Premiums, Deductibles & Coinsurance
| Social Security Credits | Your 2024 Cost |
|---|---|
| 0-29 quarters of Social Security Credits | $565 per month |
| 30-39 quarters of Social Security Credits | $311 per month |
| 40 or more quarters | $0 per month (Most don’t pay) |
| Inpatient Hospital Deductible | $1,736 |
| Inpatient Hospital Coinsurance |
$434 per day for days 61-90 $868 per day for days 91-150 |
| Skilled Nursing Facility Insurance | $204 per day for days 21-100 |
Hospital Inpatient Costs
| Service Provided | Medicare Pays | You Pay |
|---|---|---|
| Days 1-60 | 100% after deductible | $1,632 deductible |
| Days 61-90 | 100% after copay | $408 per day copay |
| 60 reserve days | 100% after copay | $816 per day copay |
| After 150 days | 0% | 100% |
| Psychiatric hospital | Same as hospital above with 190-day lifetime limit | 100% after 190 days |
Each of the 60 reserve days may be used only once during an individual’s lifetime.
Skilled Nursing Facility (SNF)
(If daily skilled care is needed after a 3-day hospital stay)
| Service Provided | Medicare Pays | You Pay |
|---|---|---|
| Days 1-20 | 100% | 0% |
| Days 21-100 | 100% after copay | $217 per day copay |
| After 100 days | 0% | 100% |
| Home health care | 100% minus 20% of covered DME | 0% for skilled visits; 20% for Medicare-approved DME |
| Hospice care |
100% minus $5 per prescription 95% of approved payment for respite care |
5% of approved amount for inpatient respite care 5% of approved payment for respite care per day, up to $1,632 |
| Blood | 100% after 3 pints | First three pints each year |
Income-Related Monthly Adjustment Amount (IRMAA)
| Your Annual Income | Your Monthly Premium for 2026 |
|---|---|
|
Single: Up to $103,000 Couple: Up to $206,000 |
$174.70 |
|
Single: $103,001 to $129,000 Couple: $206,001 to $258,000 |
$244.60 |
|
Single: $129,001 to $161,000 Couple: $258,001 to $322,000 |
$349.40 |
|
Single: $161,001 to $193,000 Couple: $322,001 to $386,000 |
$454.20 |
|
Single: $193,001 and over Couple: $386,001 and over |
$559.00 |
Certain Medicare enrollees who are 36 months post–kidney transplant, and therefore no longer eligible for full Medicare coverage, may elect to continue Medicare Part B coverage of immunosuppressive drugs only (Part B-ID). This coverage may be continued indefinitely as long as eligibility requirements are met and requires a monthly premium ($121.60 in 2026). Beneficiaries with higher incomes may pay higher premiums due to IRMAA.
| Service | Medicare Pays | You Pay |
|---|---|---|
| Annual Deductible | $283 | |
| Physician Costs | 80% of approved amount | 20% of approved amount, plus up to 15% extra if the provider does not accept assignment |
| Clinical Lab Services | Approved amount | $0 |
| Medical Equipment and Supplies | 80% of approved amount | All remaining costs |
| Certain Preventive Services | 80% or 100% | 20% or $0, depending on service |
|
Mental Health Services (Partial Hospitalization) |
Days 1-60: 100% after deductible Days 61-90: 100% after copay 60 Reserve Days: 100% after copay After 150 days: $0 |
Days 1-60: $1736 deductible Days 61-90: $434 per day 1736 60 Reserve Days: $868 per day After 150 days: 100% per day |
| Outpatient |
(Beneficiaries in Medicare Advantage plans do not pay the Part B annual deductible. Medigap Plans C and F include the Part B annual deductible as a benefit.