What You’ll Pay in Out-of-Pocket Medicare Costs in 2026

Premium: $0 for most people; otherwise $311 or $565/mo.

Deductible: $1,736 for each inpatient hospital benefit period

Coinsurance: Varies with location and length of stay. For a hospital stay:

• Days 1-60: $0
• Days 61-90: $434 per day
• Days 91-150*: $868 per day
• Out-of-pocket maximum: None
• Skilled nursing facility daily coinsurance (days 21-100): $217

*These are called “lifetime reserve days” because Medicare will only pay for these extra days once in your lifetime.

Premium: $202.90/mo. or higher, depending on income

Deductible: $283 annually

Coinsurance: 20% of service costs; deductible must be met first

Out-of-pocket maximum: None

Preventive benefits: There are some preventive services under Part B that Medicare covers at 100%.