Need help with Employee Benefits? Talk to us.
Let’s start with your goals. We’ll review your current plan together — at your workplace, at our office, or virtually.
Let’s start with your goals. We’ll review your current plan together — at your workplace, at our office, or virtually.
Let’s start with your goals. We’ll review your current plan together — at your workplace, at our office, or virtually.
Medicare Resources
Medicare isn’t free, and the costs change every year. Here’s every 2026 premium, deductible and copay in one place, plus a calculator for what you’d pay each month.
premium for most people
standard monthly premium
yearly cap on drug costs
highest in-network yearly limit
Premium Calculator
Your Part B and Part D premiums depend on your income from two years ago. Enter yours to see your 2026 numbers.
A Real-World Example
Say a fall leads to a 75-day hospital stay. With Original Medicare alone, you’d pay the $1,736 deductible plus $434 a day for days 61 through 75.
That’s $8,246 for one stay, before any doctor bills. A Medigap plan like Plan G pays all of it.
*You get 60 lifetime reserve days in total. After those are used, you pay all costs. A new benefit period starts after you've been out of the hospital or facility for 60 days in a row.
Good to Know
Premium higher than $202.90?
Social Security uses the tax return from two years ago. Higher incomes pay an added amount on both Part B and Part D.
Retired or cut back on work?
If a life change like retirement lowered your income, file form SSA-44 with Social Security to have a newer year used.
Money tight?
Medicare Savings Programs can pay Part B premiums, and Extra Help lowers drug costs for people with limited income.
Why do costs change each year?
Premiums, deductibles and limits are updated every year. We update this page as soon as the new figures come out.
Still working at 65?
Depending on your employer’s size, keeping work coverage and delaying Part B may cost less. We’ll compare both for you.
Which path costs less?
Medicare Advantage often costs less in a healthy year. Medigap usually costs less in a year with a big hospital bill.
More Medicare Resources
Turning 65 soon?
Your sign-up dates and a step-by-step checklist.
Which plan pays what?
All 10 Medigap plans side by side, with 2026 costs.
Advantage or Medigap?
The two paths compared, plus a 30-second quick check.
We’ll add up premiums, deductibles and drug costs for the plans that fit your doctors and prescriptions, so you can compare total cost, not just the monthly price. In-person or virtual.
Figures are for 2026 and are updated each year. The calculator is an estimate; Social Security sets your actual premium. Security First Benefits is not connected with or endorsed by the U.S. government or the federal Medicare program.
Security First Benefits Corporation
2357 Stonebridge Dr.
Flint, MI 48532
Let’s chat about our dedicated employee benefit and compliance advisory services, in addition to value-add administration and HR tools.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Other Important Disclaimers: Security First Benefits Corporation is a licensed health insurance agent authorized to market Medicare Insurance Plans. This is a solicitation for insurance. Please note a sales agent may call as a result of your inquiry for a quote. The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Please note you have no guarantee issue.
Security First Benefits Corporation is not part of the Federal Medicare System.
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