What you pay for Medicare depends on the coverage you have and services you use. Find costs for the different parts of Medicare and learn what you pay out-of-pocket.

What’s a premium, deductible, coinsurance, or copayment?

Part A (Hospital Insurance)

Part B (Medical Insurance)

Medicare Advantage Plan (Part C)

Medicare drug coverage (Part D)

Medicare supplement insurance (Medigap)

Part A costs: What you pay in 2026: Premium Monthly $0 for most people (because they or a spouse paid Medicare taxes long enough while working — generally at least 10 years). If you get Medicare earlier than age 65, you won’t pay a Part A premium . This is sometimes called “ premium-free Part A .” Do I qualify for premium-free Part A? If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $311 or $565 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes. Remember: You also have to sign up for Part B to buy Part A. Learn more about how Medicare works. If you don’t buy Part A when you’re first eligible for Medicare (usually when you turn 65), you might pay a penalty. Find out more about how to avoid the Part A penalty. Deductible Each benefit period $1,736 for each inpatient hospital benefit period , before Original Medicare starts to pay. You pay the Part A deductible each time you start a new benefit period. There’s no limit to the number of benefit periods you can have in a year. This means you may pay the deductible more than once in a year. How do benefit periods work? Inpatient stay Daily What's not covered? During a benefit period, what you pay depends on how long you get care: Days 1-60: $0 each day after you pay your Part A deductible. Days 61-90: $434 each day. Days 91-150: $868 each day while using your 60 lifetime reserve days . After day 150: You pay all costs. What will I pay if I get mental health services as an inpatient? Skilled nursing facility stay Daily During a benefit period, what you pay depends on how long you get care: Days 1-20: $0 each day after you pay the Part A deductible. Days 21-100: $217 each day. Days 101 and beyond: You pay all costs. You don’t have to pay the Part A deductible for skilled nursing facility care if you already paid it for care you got in a hospital during the same benefit period. Home health care $0 for covered home health care services. 20% of the Medicare-approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment) Hospice care $0 for covered hospice care services. A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you're at home. What if my hospice care doesn't pay for my drug? 5% of the Medicare-approved amount for inpatient respite care . What's not covered? Out-of-pocket limit Yearly There’s no yearly limit on what you pay out-of-pocket, unless you have supplemental coverage, like a Medicare Supplement Insurance (Medigap) policy or join a Medicare Advantage Plan (Part C) .

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Get help from your state paying your Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) premiums through a Medicare Savings Program. If you qualify, Medicare Savings Programs might also pay your Part A and Part B deductibles, coinsurance, and copayments.

You’ll apply for Medicare Savings Programs through your state. When you apply, your state determines which program(s) you qualify for. Even if you don’t think you qualify, you should still apply.

What's a premium, deductible, coinsurance, or copayment?

In most cases, your income and resources must be below a certain limit to qualify for a Medicare Savings Program, as described below. These limits go up each year.

You may still qualify for these programs in your state even if your income or resources are higher than the federal limits listed. Some states don’t count certain types or specific amounts of income or resources when deciding who qualifies.

Contact your state