2026 Costs in Original Medicare
Understanding Medicare costs is critical to protecting your health and finances. Below is a clear, accurate breakdown of 2026 Original Medicare costs, explained by May River Medicare Insurance — your trusted nationwide Medicare experts.
Medicare Part A (Hospital Insurance)
- Monthly premium: $0 for most beneficiaries
- Hospital deductible: $1,736 per benefit period
- Coinsurance applies after extended inpatient stays
- No annual out-of-pocket maximum
Medicare Part B (Medical Insurance)
- Standard monthly premium: $202.30
- Annual deductible: $257
- 20% coinsurance on most services
- No cap on annual medical spending
Medicare Part D (Prescription Drug Coverage)
- Premiums vary by plan, county, and income
- Drug costs depend on formulary & tier placement
- Specialty medications may carry higher coinsurance
Side-by-Side Cost Comparison
Original Medicare
- No annual out-of-pocket maximum
- 20% coinsurance indefinitely
- Costs increase with hospital use
With Cost Protection
- Defined annual maximum
- Predictable copay structure
- Reduced financial exposure
| Cost Area | Original Medicare | With Protection |
|---|---|---|
| Hospital Deductible | $1,736 per period | $0 – $250 |
| Coinsurance | Unlimited | Limited |
| Annual Maximum | None | Defined |