Part B (Medical Insurance) costs

Part B costs: What you pay in 2026: Premium Monthly $202.90 each month (or higher depending on your income). The amount can change each year. You’ll pay the premium each month, even if you don’t get any Part B-covered services. Who pays a higher Part B premium because of income? You might pay a monthly Part B late enrollment penalty if you don’t sign up for Part B when you’re first eligible for Medicare (usually when you turn 65). You’ll pay the penalty for as long as you have Part B. The penalty goes up the longer you wait to sign up. Find out how the Part B penalty works and how to avoid it. Deductible Yearly $283 before Original Medicare starts to pay. You pay this deductible once each year. General costs for services (coinsurance) Per service Usually 20% of the cost for each Medicare-covered service or item after you’ve paid your deductible (and as long as your doctor or health care provider accepts the Medicare-approved amount as full payment — called “accepting assignment ”). Find out how assignment affects what you pay. Clinical laboratory services $0 for covered clinical laboratory services. 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). Inpatient hospital care Per service 20% of the Medicare-approved amount for most doctor services while you’re a hospital inpatient. Outpatient mental health care $0 for your yearly depression screening. 20% of the Medicare-approved amount for visits to your doctor or other health care provider to diagnose or treat your condition. If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional amount to the hospital. Partial hospitalization mental health care Per service After you meet the Part B deductible: 20% of the Medicare-approved amount for each service you get from a doctor or certain other qualified mental health professional Coinsurance for each day of partial hospitalization services you get in a hospital outpatient setting or community mental health center Outpatient hospital care Per service Usually 20% of the Medicare-approved amount for a doctor's and other health care provider's services. You’ll also pay a copayment to the hospital for each service you get in a hospital outpatient setting (except for certain preventive services). In most cases, your copayment won’t be more than the Part A hospital stay deductible amount. This additional hospital copayment means you may pay more for an outpatient service you get in a hospital than you’d pay if you got the same service in a doctor’s office. Compare outpatient procedure costs under Original Medicare. 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) .

Back to top