How much is Medicare Part B in 2026?
The standard Medicare Part B premium is $202.90 a month in 2026, with an annual deductible of $283. Most people pay the standard amount; higher-income households pay more through IRMAA.
Answers
One question. One answer.
The questions people ask first, answered in the first sentence — with the published figure, its government source, and the date we last checked it. No selling before the answer.
Medicare costs
What Medicare actually costs in 2026 — premiums, deductibles, surcharges and penalties, with the published figure behind each one.
What is the Medicare Part D late enrollment penalty?
The Part D late enrollment penalty is 1% of the national base beneficiary premium — $38.99 in 2026 — for every full month you went without creditable drug coverage after your Initial Enrollment Period ended. It is added to your premium for as long as you have Part D.
What is IRMAA, and who pays it in 2026?
IRMAA is the income-related monthly adjustment amount — an extra charge added to Medicare Part B and Part D premiums for higher-income households. In 2026 it begins above $109,000 in modified adjusted gross income for a single filer and $218,000 for a couple filing jointly, based on the 2024 tax return.
Is Medicare free at 65?
No. Part A is premium-free for most people who worked and paid Medicare taxes for at least 40 quarters, but Part B carries a premium — $202.90 a month in 2026 — along with deductibles and coinsurance that continue for as long as you are covered.
Medicare enrollment
When the windows open, how long you have, and what happens if you miss one.
When can I enroll in Medicare?
Your Initial Enrollment Period is seven months long: the three months before the month you turn 65, your birthday month, and the three months after. Enrolling in the three months before your birthday month is what starts coverage on the first day of that month.
ACA subsidies
Who qualifies for Marketplace help in 2026, how the premium tax credit is worked out, and the details that change the answer.
What income qualifies for an ACA subsidy in 2026?
Marketplace premium tax credits are calculated from your household income as a percentage of the federal poverty level. For 2026 coverage that uses the 2025 guidelines: $15,650 for one person, $21,150 for two, and $32,150 for a household of four.
FAQ
Common questions
What does it cost to work with CUPS Insurance on these answers?
Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.
Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.
Does CUPS Insurance offer every plan available for these answers?
No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Who will actually be helping me?
Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.
The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.
How do I get started with these answers?
Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.
Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.
What happens after I enroll?
She stays your agent. If a prescription moves tier, a doctor leaves the network, or a letter arrives that makes no sense, you call the same number and speak to the same person.
Every autumn your plan gets reviewed before Open Enrollment, because plans change even when your health does not. On these answers that matters as much as the original enrollment.
Do we have to meet in person?
No. Most conversations happen by phone or video, which is faster for most people. If you would rather meet face to face, the office is at 3293 Harrison Blvd #213, Ogden — by appointment only, so call before you come.
Hours are 10:00 AM – 5:00 PM, Monday to Friday.
Can I do all of this in Spanish?
Yes. The whole site is available in Spanish and English, and appointments, paperwork and follow-up can be handled in Spanish from start to finish.
If you would rather talk in Spanish, say so when you call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) and it is handled that way from the first conversation.
What happens to my personal information?
The calculators on this site run entirely in your browser — nothing you type is sent anywhere, including to us.
If you contact us, your details are used only to help with your coverage. We do not sell or share your information with third parties for marketing.
Grab a cup. Let's make insurance make sense.
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Book a call with Sarah Call 435-292-8777 Speak with a licensed insurance agent · TTY 711
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086