Quick answers
- What is the Part B premium in 2026?
- $202.90 a month for most people, with a $283 yearly deductible. People with higher incomes pay more (IRMAA).
- What is the Part A deductible in 2026?
- $1,736 for each benefit period. Most people pay no Part A premium because they or a spouse worked 40 quarters.
- Is there a cap on drug costs?
- Yes. In 2026 you pay no more than $2,100 out of pocket for covered Part D drugs, and there is no coverage gap.
- Does Oklahoma's state income tax change IRMAA?
- No. IRMAA uses the modified adjusted gross income on your federal tax return. Your Oklahoma return isn't used.
- Who helps Oklahomans pay Medicare costs?
- SoonerCare's Medicare Savings Programs (QMB, SLMB, QI-1), applied for through Oklahoma Human Services, and Extra Help through Social Security.
Every amount below is for calendar year 2026, from CMS and Social Security. Medicare's costs are federal, so they're the same in Oklahoma City, Tulsa, Lawton, Guymon or Idabel. Jump to: Part A · Part B · IRMAA · Part D · Medicare Advantage · Medigap · Extra Help · Medicare Savings Programs · 2025 vs 2026 · Help in Oklahoma
What does Part A cost in 2026?
| Part A cost | 2026 |
|---|---|
| Premium with 40 or more quarters of work | No premium |
| Premium with 30 to 39 quarters | $311 a month |
| Premium with fewer than 30 quarters | $565 a month |
| Inpatient deductible (each benefit period) | $1,736 |
| Hospital days 61 to 90 | $434 a day |
| Lifetime reserve days (60 in a lifetime) | $868 a day |
| Skilled nursing facility days 21 to 100 | $217 a day |
Hospital days 1 to 60 and skilled nursing days 1 to 20 have no coinsurance after the deductible. A benefit period ends after 60 days in a row without inpatient or skilled nursing care, so a second hospital stay later in the year can mean a second deductible. If you have QMB through SoonerCare, the state pays any Part A premium and your Part A deductible and coinsurance. More on Part A.
What does Part B cost in 2026?
| Part B cost | 2026 |
|---|---|
| Standard monthly premium | $202.90 |
| Yearly deductible | $283 |
| Coinsurance for most services | 20% of the Medicare-approved amount |
| Late enrollment penalty | 10% of the standard premium for each full 12 months you delayed |
If you get Social Security, the Part B premium usually comes out of your monthly benefit. Retiree coverage, such as a HealthChoice Medicare supplement plan from EGID, isn't coverage from current work, so it doesn't protect you from the Part B late penalty. More on Part B; estimate a penalty with the penalty calculator.
IRMAA: who pays more for Part B and Part D?
If your modified adjusted gross income (MAGI) on your 2024 federal tax return was above the first threshold, you pay more for Part B and Part D in 2026. The Part D amount is added to your plan's premium and paid to Medicare. The brackets are cliffs, not marginal rates: if your income is even a dollar into a higher bracket, the whole higher amount applies.
| 2024 MAGI, single | 2024 MAGI, married filing jointly | 2026 Part B premium (monthly) | Part D surcharge (monthly) |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | None |
| $109,001 to $137,000 | $218,001 to $274,000 | $284.10 | $14.50 |
| $137,001 to $171,000 | $274,001 to $342,000 | $405.80 | $37.50 |
| $171,001 to $205,000 | $342,001 to $410,000 | $527.50 | $60.40 |
| $205,001 to under $500,000 | $410,001 to under $750,000 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $91 |
Married people who lived with their spouse at some point during the year and file separate returns have their own brackets:
| 2024 MAGI, married filing separately | 2026 Part B premium (monthly) | Part D surcharge (monthly) |
|---|---|---|
| $109,000 or less | $202.90 | None |
| $109,001 to under $391,000 | $649.20 | $83.30 |
| $391,000 or more | $689.90 | $91 |
Oklahoma's income tax doesn't enter into it. Oklahoma has a state income tax, but Social Security sets IRMAA only from the MAGI the IRS reports from your federal return: your adjusted gross income plus tax-exempt interest. Oklahoma deductions or exemptions on your state return don't lower it. What does count is federal taxable income such as an Oklahoma Teachers' Retirement System (OTRS) or state pension, required minimum distributions, Roth conversions and capital gains.
A one-time gain, such as selling a business, a farm or ranch, land or mineral rights, counts in the year it happens and can raise your premiums two years later. If your income has fallen because of a life-changing event, such as retirement, reduced work hours, loss of a pension or a spouse's death, ask Social Security to recalculate with Form SSA-44. Try the IRMAA calculator to see your bracket.
What does Part D cost in 2026?
| Part D amount | 2026 |
|---|---|
| Maximum yearly deductible a plan can charge | $615 |
| Yearly cap on your out-of-pocket drug costs | $2,100 |
| Most you pay for a month's supply of each covered insulin | $35 |
| National base beneficiary premium (used to figure the late penalty) | $38.99 a month |
Plans set their own premiums and can have a lower deductible or none. Once your out-of-pocket costs for covered drugs reach the cap, you pay nothing more for covered Part D drugs for the rest of the year. There's no longer a coverage gap. The Part D late enrollment penalty is 1% of the national base beneficiary premium for each month you went without creditable drug coverage. You can spread drug costs across the year with the Medicare Prescription Payment Plan. More on Part D in Oklahoma, or use the drug cap calculator.
What are the Medicare Advantage out-of-pocket limits?
| Medicare Advantage limit | 2026 maximum |
|---|---|
| In-network services (HMO and PPO) | $9,250 |
| In- and out-of-network services combined (PPO) | $13,900 |
These are the highest limits Medicare allows for Part A and Part B services; each plan sets its own limit at or below them. Drug costs count toward the separate Part D cap, not this limit. You still pay the Part B premium with a Medicare Advantage plan. More on Medicare Advantage in Oklahoma.
Which Medigap amounts does Medicare set?
Medigap premiums are set by each insurance company and filed in Oklahoma, but Medicare sets a few amounts for the standardized plans:
| Medigap amount | 2026 |
|---|---|
| High-deductible Plan G (and Plan F for those eligible before 2020) deductible | $2,950 |
| Plan K yearly out-of-pocket limit | $8,000 |
| Plan L yearly out-of-pocket limit | $4,000 |
| Plan N copays | Up to $20 for some office visits, up to $50 for emergency room visits that don't lead to admission |
The Oklahoma Insurance Department regulates Medigap policies sold in the state. More on Medigap in Oklahoma.
How much does Extra Help save on drugs?
Extra Help (the Part D Low-Income Subsidy) lowers drug plan premiums, deductibles and copays. For 2026:
| Extra Help | Individual | Married couple |
|---|---|---|
| Yearly income limit (150% of the federal poverty level) | $23,940 | $32,460 |
| Resource limit | $16,590 | $33,100 |
| Resource limit if you expect to use some for burial | $18,090 | $36,100 |
| Most you pay per prescription with Extra Help in 2026 | Generic | Brand name |
|---|---|---|
| Most people with Extra Help | $5.10 | $12.65 |
| People with full SoonerCare and income at or below 100% of the poverty level | $1.60 | $4.90 |
Your home, one car and certain other things don't count as resources. Apply through Social Security at ssa.gov/extrahelp or 1-800-772-1213. If you have full SoonerCare, a Medicare Savings Program or Supplemental Security Income, you qualify automatically.
What are Oklahoma's Medicare Savings Program limits?
Oklahoma's Medicare Savings Programs are part of SoonerCare, run by the Oklahoma Health Care Authority (OHCA), which calls them SoonerCare Supplemental. Oklahoma Human Services (OKDHS) decides who qualifies. Oklahoma uses the same income and resource limits Medicare.gov publishes, and it does have a resource test, set in OKDHS's Appendix C-1. The resource limit is lower than the Extra Help limit.
| Program (2026) | Monthly income, one person | Monthly income, couple | What it pays |
|---|---|---|---|
| QMB (up to 100% of poverty level) | $1,350 | $1,824 | Part A and Part B premiums, deductibles and coinsurance |
| SLMB (up to 120%) | $1,616 | $2,184 | Part B premium |
| QI-1 (up to 135%) | $1,816 | $2,455 | Part B premium |
| Resource limit, all three | $9,950 | $14,910 | Countable savings and property |
The income limits include the monthly disregard OKDHS subtracts first. OKDHS doesn't count your home and furnishings, your car, or a prepaid funeral trust up to a set amount, and it doesn't count more than half of income from a job. Check your numbers with the savings programs screener and read Medicare Savings Programs in Oklahoma.
What changed from 2025 to 2026?
| Amount | 2025 | 2026 | Change |
|---|---|---|---|
| Part B standard premium (monthly) | $185 | $202.90 | +$17.90 |
| Part B deductible | $257 | $283 | +$26 |
| Part A deductible | $1,676 | $1,736 | +$60 |
| Part D out-of-pocket cap | $2,000 | $2,100 | +$100 |
| First IRMAA threshold, single | $106,000 | $109,000 | +$3,000 |
| First IRMAA threshold, married filing jointly | $212,000 | $218,000 | +$6,000 |
If you get Social Security, your cost-of-living adjustment and your Part B premium change at the same time each January; Social Security's yearly notice shows both.
What about 2027?
CMS announces the next year's Part A and Part B premiums and deductibles each fall, and they take effect January 1. Medicare Advantage and Part D plans set their own 2027 premiums and cost sharing, which you can review during the Annual Enrollment Period, October 15 to December 7, 2026. The 2027 amounts CMS has already published (Part D, Medicare Advantage out-of-pocket limits, Medigap deductibles, Extra Help copays) are on Medicare costs in 2027. If your Oklahoma plan is ending, see Oklahoma plans ending in 2027.
Where can Oklahomans get help paying Medicare costs?
SoonerCare Supplemental (Medicare Savings Programs)
QMB, SLMB and QI-1 pay the Part B premium, and QMB also pays Part A premiums, deductibles and coinsurance. Apply through Oklahoma Human Services online at OKDHSLive or at a Human Services Center. Learn more.
Extra Help
Lowers Part D premiums, deductibles and copays, and comes automatically with a Medicare Savings Program, full SoonerCare or SSI. Others apply through Social Security.
Full SoonerCare and ADvantage
Full SoonerCare pays after Medicare for covered services, and the ADvantage waiver can pay for help at home that Medicare doesn't cover. SoonerCare and Medicare.
A licensed insurance agent
To see how plans from the companies they work with handle these costs, at no cost to you, you can request a call from a licensed insurance agent.
Retired teachers and state employees should also check their HealthChoice premiums and the OTRS premium supplement; see state and teacher retirees and Medicare. If you get care through the Indian Health Service or a tribal health system, see tribal health and Medicare in Oklahoma. To compare coverage, see plans for your ZIP code.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- Medicare.gov — Medicare costs
- Social Security Administration — Premiums: rules for higher-income beneficiaries
- Social Security POMS HI 01101.010 — Modified adjusted gross income and the tax year used for IRMAA
- CMS — CY2026 Rate Announcement (Part D benefit parameters)
- CMS — CY2026 resource and cost-sharing limits for the Low-Income Subsidy
- Medicare.gov — Medicare Savings Programs
- Medicare.gov — Medigap (Medicare Supplement Insurance)
- Oklahoma Human Services — Appendix C-1, Maximum Income, Resource, and Payment Standards (Schedules VI, VII and VII.A), revised July 1, 2026
- Oklahoma Human Services — Help paying Medicare costs (QMB, SLMB, QI; resources not counted)
- Oklahoma Health Care Authority — SoonerCare Supplemental
- Oklahoma Human Services — Program FAQs (applying through OKDHSLive)
- OMES Employees Group Insurance Division — Medicare options for retirees
Every question in this guide
Frequently asked questions
How much did Medicare go up from 2025 to 2026?
The standard Part B premium rose from $185 to $202.90 a month, an increase of $17.90. The Part B deductible rose from $257 to $283, the Part A deductible from $1,676 to $1,736, and the Part D out-of-pocket cap from $2,000 to $2,100.
Does Oklahoma's state income tax affect my Medicare premiums?
No. Social Security figures IRMAA from the modified adjusted gross income on your federal tax return, generally from two years earlier. Oklahoma state income tax, and any Oklahoma deductions or exemptions, don't raise or lower your Medicare premiums. Only your federal return matters.
Is there a limit on what I pay with Original Medicare?
No. Original Medicare has no yearly out-of-pocket limit for Part A and Part B. Medicare Advantage plans must have one, up to $9,250 for in-network services in 2026, and Part D has its own $2,100 cap on drug costs. Many people with Original Medicare add a Medigap policy to limit their costs.
Can SoonerCare pay my Medicare premiums?
It can. Oklahoma's Medicare Savings Programs, which the Oklahoma Health Care Authority calls SoonerCare Supplemental, pay the Part B premium for people with limited income and resources, and QMB also pays Medicare deductibles and coinsurance. Oklahoma Human Services decides eligibility. In 2026 the resource limit is $9,950 for one person or $14,910 for a couple.
When will the 2027 Part B premium be announced?
CMS announces the next year's Part A and Part B premiums, deductibles and IRMAA brackets each fall, usually in November, and they take effect January 1. Social Security then mails each person a notice of the new premium. The 2027 amounts CMS has already published are on our 2027 costs page.
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