Every amount below is for calendar year 2026, from CMS and Social Security. Medicare's costs are federal, so they're the same in Phoenix, Tucson, Yuma or Window Rock. Jump to: Part A · Part B · IRMAA · Part D · Medicare Advantage · Medigap · Extra Help · 2025 vs 2026 · Help in Arizona
Part A (hospital insurance)
| Part A cost | 2026 |
|---|---|
| Premium with 40 or more quarters of work | No premium |
| Premium with 30 to 39 quarters | $311 a month |
| Premium with fewer than 30 quarters | $565 a month |
| Inpatient deductible (each benefit period) | $1,736 |
| Hospital days 61 to 90 | $434 a day |
| Lifetime reserve days (60 in a lifetime) | $868 a day |
| Skilled nursing facility days 21 to 100 | $217 a day |
Hospital days 1 to 60 and skilled nursing days 1 to 20 have no coinsurance after the deductible. More on Part A.
Part B (medical insurance)
| Part B cost | 2026 |
|---|---|
| Standard monthly premium | $202.90 |
| Yearly deductible | $283 |
| Coinsurance for most services | 20% of the Medicare-approved amount |
| Late enrollment penalty | 10% of the standard premium for each full 12 months you delayed |
More on Part B, including excess charges and the late penalty. Estimate a penalty with the penalty calculator.
IRMAA: income-related premiums
If your modified adjusted gross income (MAGI) on your 2024 tax return was above the first threshold, you pay more for Part B and Part D in 2026. The Part D amount is added to your plan's premium. The brackets are cliffs, not marginal rates: if your income is even a dollar into a higher bracket, the whole higher amount applies.
| 2024 MAGI, single | 2024 MAGI, married filing jointly | 2026 Part B premium (monthly) | Part D surcharge (monthly) |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | None |
| $109,001 to $137,000 | $218,001 to $274,000 | $284.10 | $14.50 |
| $137,001 to $171,000 | $274,001 to $342,000 | $405.80 | $37.50 |
| $171,001 to $205,000 | $342,001 to $410,000 | $527.50 | $60.40 |
| $205,001 to under $500,000 | $410,001 to under $750,000 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $91 |
Married people who lived with their spouse at some point during the year and file separate returns have their own brackets:
| 2024 MAGI, married filing separately | 2026 Part B premium (monthly) | Part D surcharge (monthly) |
|---|---|---|
| $109,000 or less | $202.90 | None |
| $109,001 to under $391,000 | $649.20 | $83.30 |
| $391,000 or more | $689.90 | $91 |
If your income has fallen because of a life-changing event, such as retirement, reduced work hours, loss of a pension or a spouse's death, ask Social Security to recalculate with Form SSA-44. Try the IRMAA calculator to see your bracket.
Part D (prescription drugs)
| Part D amount | 2026 |
|---|---|
| Maximum yearly deductible a plan can charge | $615 |
| Yearly cap on your out-of-pocket drug costs | $2,100 |
| Most you pay for a month's supply of each covered insulin | $35 |
| National base beneficiary premium (used to figure the late penalty) | $38.99 a month |
Plans set their own premiums and can have a lower deductible or none. Once your out-of-pocket costs for covered drugs reach the cap, you pay nothing more for covered Part D drugs for the rest of the year. There's no longer a coverage gap ("donut hole"). The Part D late enrollment penalty is 1% of the national base beneficiary premium for each month you went without creditable drug coverage. You can spread drug costs across the year with the Medicare Prescription Payment Plan. More on Part D in Arizona, or use the drug cap calculator.
Medicare Advantage out-of-pocket limits
| Medicare Advantage limit | 2026 maximum |
|---|---|
| In-network services (HMO and PPO) | $9,250 |
| In- and out-of-network services combined (PPO) | $13,900 |
These are the highest limits Medicare allows for Part A and Part B services; each plan sets its own limit at or below them. Drug costs count toward the separate Part D cap, not this limit. You still pay the Part B premium with a Medicare Advantage plan. More on Medicare Advantage in Arizona.
Medigap amounts set by Medicare
Medigap premiums are set by each insurance company, but Medicare sets a few amounts for the standardized plans:
| Medigap amount | 2026 |
|---|---|
| High-deductible Plan G (and Plan F for those eligible) deductible | $2,950 |
| Plan K yearly out-of-pocket limit | $8,000 |
| Plan L yearly out-of-pocket limit | $4,000 |
| Plan N copays | Up to $20 for some office visits, up to $50 for emergency room visits that don't lead to admission |
More on Medigap in Arizona.
Extra Help with drug costs
Extra Help (the Part D Low-Income Subsidy) lowers drug plan premiums, deductibles and copays. For 2026:
| Extra Help | Individual | Married couple |
|---|---|---|
| Yearly income limit (150% of the federal poverty level) | $23,940 | $32,460 |
| Resource limit | $16,590 | $33,100 |
| Resource limit if you expect to use some for burial | $18,090 | $36,100 |
| Most you pay per prescription with Extra Help in 2026 | Generic | Brand name |
|---|---|---|
| Most people with Extra Help | $5.10 | $12.65 |
| Full AHCCCS members with income at or below 100% of the poverty level | $1.60 | $4.90 |
Your home, one car and certain other things don't count as resources. Apply through Social Security at ssa.gov/extrahelp or 1-800-772-1213. If you have full AHCCCS, a Medicare Savings Program or Supplemental Security Income, you qualify automatically.
What changed from 2025 to 2026
| Amount | 2025 | 2026 | Change |
|---|---|---|---|
| Part B standard premium (monthly) | $185 | $202.90 | +$17.90 |
| Part B deductible | $257 | $283 | +$26 |
| Part A deductible | $1,676 | $1,736 | +$60 |
| Part D out-of-pocket cap | $2,000 | $2,100 | +$100 |
| First IRMAA threshold, single | $106,000 | $109,000 | +$3,000 |
| First IRMAA threshold, married filing jointly | $212,000 | $218,000 | +$6,000 |
If you get Social Security, your benefit's cost-of-living adjustment and your Part B premium change at the same time each January; Social Security's yearly notice shows both.
Looking ahead to 2027
CMS announces the next year's Part A and Part B premiums and deductibles each fall, and they take effect January 1. Medicare Advantage and Part D plans set their 2027 premiums and cost sharing for the plan year that starts January 1, 2027; you can review them during the Annual Enrollment Period, October 15 to December 7, 2026. This page shows 2026 amounts until the 2027 figures are final; for the official 2027 numbers, check Medicare.gov.
Help paying Medicare costs in Arizona
Medicare Savings Programs (AHCCCS)
QMB, SLMB and QI-1 pay the Part B premium, and QMB also covers Part A premiums, deductibles and coinsurance. Income limits are 100%, 120% and 135% of the federal poverty level, and AHCCCS's eligibility policy has no resource limit for them. Learn more.
Extra Help
Lowers Part D premiums, deductibles and copays, and comes automatically with a Medicare Savings Program or full AHCCCS. Others apply through Social Security.
AHCCCS and ALTCS
Full AHCCCS pays after Medicare for covered services, and ALTCS covers long-term care that Medicare doesn't. AHCCCS and Medicare.
A licensed insurance agent
A licensed insurance agent with Benefits Life can explain how plans from the companies they work with handle these costs, at no cost to you: (602) SENIORS (602-736-4677), TTY 711.
Apply for AHCCCS programs at healthearizonaplus.gov. To check where you might qualify, try the savings programs calculator. To compare coverage, see plans in your ZIP code.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- Medicare.gov — Medicare costs
- Social Security Administration — Premiums: rules for higher-income beneficiaries
- CMS — CY2026 Rate Announcement (includes the Part D benefit parameters)
- Medicare.gov — Help with drug costs (Extra Help)
- CMS — CY2026 resource and cost-sharing limits for the Low-Income Subsidy
- Medicare.gov — Medigap (Medicare Supplement Insurance)
- Medicare.gov — Medicare Savings Programs
- AHCCCS Eligibility Policy Manual — 409 Medicare Savings Program
- AHCCCS — Health-e-Arizona Plus
Frequently asked questions
How much did Medicare go up from 2025 to 2026?
The standard Part B premium rose from $185 to $202.90 a month, an increase of $17.90. The Part B deductible rose from $257 to $283, the Part A deductible from $1,676 to $1,736, and the Part D out-of-pocket cap from $2,000 to $2,100.
When will the 2027 Medicare costs be announced?
CMS announces the next year's Part A and Part B premiums and deductibles each fall, and the new amounts take effect January 1. Social Security mails each person a notice of their new premium. Check Medicare.gov for the official 2027 amounts.
Is there a limit on what I pay with Original Medicare?
No. Original Medicare has no yearly out-of-pocket limit for Part A and Part B. Medicare Advantage plans must have one, up to $9,250 for in-network services in 2026, and Part D has its own $2,100 cap on drug costs. Many people with Original Medicare add a Medigap policy to limit their costs.
Who pays the higher IRMAA premiums?
People whose modified adjusted gross income on their 2024 tax return was above $109,000 (single) or $218,000 (married filing jointly) pay an income-related amount on top of the Part B premium and their Part D plan premium in 2026. If your income has dropped since then because of retirement or another life-changing event, you can ask Social Security to use a newer year.
Can I get help paying Medicare costs in Arizona?
Yes. AHCCCS runs the Medicare Savings Programs, which can pay the Part B premium and, for QMB, deductibles and coinsurance, for people with income up to 135% of the federal poverty level, with no asset test under AHCCCS's eligibility policy. Extra Help lowers Part D drug costs, and you qualify for it automatically if you're in a Medicare Savings Program or have full AHCCCS.
