In an evolving landscape where healthcare costs continue to be a considerable concern for many individuals, understanding the changes in Medicare premiums is crucial for those relying on this essential program. As we approach 2026, Medicare Parts A and B premiums are expected to reflect various economic factors, including healthcare inflation and legislative adjustments. Here’s what you need to know about these anticipated changes and how they might impact you or your loved ones.

Medicare Part A Premiums: What to Expect in 2026

Medicare Part A primarily covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health services. For most beneficiaries, there is no premium for Part A because they or their spouse have paid Medicare taxes long enough to qualify for premium-free coverage. However, individuals who have not met the requisite 10-year work history threshold pay a premium that is adjusted annually.

雖然保費金額會根據立法決定和經濟因素而有所變動，但目前繳納A部分保險的人員應做好保費可能上漲的準備。根據歷史趨勢，保費預計將小幅上漲，但具體調整幅度可能會因整體經濟狀況而出現較大波動。

聯邦醫療保險B部分保費：預測變化

Medicare Part B covers outpatient care, doctor services, preventive services, and some home health visits. Most Medicare beneficiaries pay a premium for Part B, and this amount is often deducted directly from their Social Security benefits.

For 2026, Part B premiums are expected to reflect the ongoing increase in healthcare costs. Patients and retirees should keep a close watch on official announcements from the Centers for Medicare & Medicaid Services (CMS) for precise figures. Historically, Part B premiums have experienced incremental rises, and it is advisable for enrollees to plan for such adjustments. Additionally, higher-income beneficiaries may face greater increases due to income-related monthly adjustment amounts (IRMAA), which can add significantly to their overall costs.

提前規劃：您可以採取的步驟

隨時了解最新資訊：定期查看美國醫療保險和醫療補助服務中心 (CMS) 或社會安全署發布的有關醫療保險費和政策變更的最新資訊。

合理安排預算：在規劃退休或管理醫療保健支出時，請考慮保費可能上漲及其對您財務狀況的影響。

Review Your Benefits: Make sure you are maximizing your Medicare benefits. Comparing plans during open enrollment periods can sometimes lead to better-suited coverage options.

Consider Supplemental Coverage: Medigap policies or Medicare Advantage Plans can help offset costs not covered by original Medicare, potentially easing the financial burden of increased premiums.

尋求專業建議：諮詢財務顧問或醫療保險專家可以根據您的具體情況和健康需求提供個人化建議。



As we look to 2026, staying proactive about understanding Medicare Part A and B premiums and their potential impact on your personal finances will be increasingly important. By staying engaged and informed, beneficiaries can better navigate the complexities of healthcare costs in their retirement years.