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2026 Medicare costs, and which Medigap plans pay them
By Vadim Marusin, licensed Medicare insurance agent in Washington (WAOIC #1365574). Insurer data checked against the state chart current as of October 8, 2026.
Medigap exists to pay Medicare's cost-sharing, so these numbers are what your supplement is protecting you from. All amounts are CMS's official 2026 figures.
Medicare amounts for 2026
| 2026 Medicare amount | Amount | Which Medigap plans pay it |
|---|---|---|
| Part B monthly premium (standard) | $202.90 | Not paid by any Medigap plan |
| Part B yearly deductible | $283 | Plans C and F only (pre-2020 eligibility) |
| Part B coinsurance | 20% of approved amounts, no cap | All plans (K 50%, L 75% until their limits) |
| Part A deductible, per benefit period | $1,736 | B, C, D, F, G, M (50%), N; K 50%, L 75% |
| Hospital days 61–90, per day | $434 | All plans |
| Lifetime reserve days, per day | $868 | All plans |
| Skilled nursing days 21–100, per day | $217 | C, D, F, G, M, N; K 50%, L 75% |
| High-deductible F and G deductible | $2,950 | You pay this before HD plans pay |
| Plan K yearly out-of-pocket limit | $8,000 | Then K pays 100% |
| Plan L yearly out-of-pocket limit | $4,000 | Then L pays 100% |
| Part D out-of-pocket drug cap | $2,100 | Not a Medigap benefit |
Original Medicare has no yearly out-of-pocket maximum. The two open-ended costs are:
- The 20% Part B coinsurance on doctor visits, surgery, imaging, chemotherapy, dialysis and other outpatient care.
- Hospital costs after day 60 of a benefit period, and everything after your 60 lifetime reserve days are used.
Every Medigap plan covers the 20% Part B coinsurance (Plans K and L partly, until their yearly limits) and 365 extra hospital days after Medicare's hospital benefits run out.
What you'd still pay under each plan
| Plan | Most you could owe for covered care in a year | What you pay along the way | Part B excess charges | Emergency care abroad |
|---|---|---|---|---|
| Plan G | $283 (the Part B deductible) | Nothing | Covered | 80% after $250 |
| Plan N | $283 plus copays | Up to $20 for some office visits, up to $50 for ER visits that don't lead to admission | Not covered | 80% after $250 |
| High-deductible Plan G | Up to $2,950 | You pay until the deductible is met, then nothing | Covered after the deductible | 80% after $250 |
| Plan K | Up to $8,000, plus the Part B deductible | 50% of most costs until the limit | Not covered | Not covered |
| Plan L | Up to $4,000, plus the Part B deductible | 25% of most costs until the limit | Not covered | Not covered |
| Plan A | $1,736 per hospital benefit period, plus $283 | Part A deductible and skilled nursing coinsurance | Not covered | Not covered |
CMS announces the next year's Part B premium and deductible and the Part A deductible each fall. Until it does, the most-cited estimate is the Medicare Trustees' projection, which puts the 2027 Part B premium at about $209.50 a month and the Part B deductible at about $292. Those are projections, not official amounts; this page will be updated with the official figures when CMS publishes them.
Medigap plans that pay a percentage of a cost (for example, 100% of the Part A deductible) automatically follow Medicare's new amounts. Plans with dollar thresholds (high-deductible G and F, and the Plan K and L out-of-pocket limits) change each year too.
Higher incomes pay more for Part B and Part D
If your modified adjusted gross income from two years earlier is above the IRMAA thresholds, you pay an income-related monthly adjustment on top of the standard Part B premium and your Part D premium. Medigap premiums aren't affected by income.
Common questions
What is the Part B premium in 2026?
$202.90 a month for most people, with higher amounts at higher incomes.
What is the Part A deductible in 2026?
$1,736 per benefit period. Every Medigap plan except A pays it in full or in part (K pays 50%, L pays 75%, M pays 50%).
What is the Part B deductible in 2026?
$283. Only Plans C and F pay it, and they're only available to people first eligible for Medicare before 2020.