The pieces of your monthly cost (2026)
| Piece | What most people pay | Who pays more or less |
|---|---|---|
| Part A (hospital) | $0 premium | People with fewer than 40 work credits pay up to $565 a month |
| Part B (medical) | $202.90 a month | Higher incomes pay up to $689.90; late enrollees pay a penalty |
| Part D drug plan | Varies by plan | Higher incomes add an IRMAA surcharge of up to $91 |
| Medigap policy | Varies by plan letter, company and age | Set by each company; the Oklahoma Insurance Department regulates them |
| Medicare Advantage plan | Varies by plan and county | Replaces Medigap and usually includes Part D; you still pay Part B |
Premiums aren't your only cost. You also pay deductibles, copays and coinsurance when you get care, such as the Part B deductible of $283 in 2026. In 2026, Part D drug costs are capped at $2,100 a year. See Medicare costs in 2026.
Two common ways Oklahomans put it together
- Original Medicare, Part D and Medigap: you pay the Part B premium plus a Part D premium and a Medigap premium. In return, Medigap pays much of your share of Medicare-covered care, and you can see any provider that accepts Medicare.
- Medicare Advantage: you pay the Part B premium plus the plan's premium, if any, and the plan's cost sharing up to its yearly limit (no more than $9,250 in network in 2026). See Medigap vs. Medicare Advantage in Oklahoma.
Choices differ across Oklahoma's 77 counties: CMS data show 50 Medicare Advantage plans open to everyone statewide for 2027 and 9 standalone Part D plans.
Help with costs in Oklahoma
- SoonerCare: OHCA pays the Part B premium for SoonerCare members 65 or older and certain blind or disabled members. See SoonerCare and Medicare.
- Medicare Savings Programs: OKDHS says QMB pays Medicare premiums, coinsurance and deductibles, and SLMB pays Medicare premiums. Apply by visiting or calling your OKDHS Human Services Center. See Medicare Savings Programs in Oklahoma.
- Extra Help: lowers Part D costs; apply through Social Security.
Get help
A licensed insurance agent who works with Benefits Life can add up the costs of plans from the companies they work with for your county, at no cost to you. You can request a call from a licensed insurance agent, or see plans for your ZIP code.
Related questions
How much is Part B in 2027?
Where the 2027 amounts stand.
Do I pay a premium for Part A?
The 40-credit rule.
What is IRMAA?
Income-based premiums.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- Medicare.gov — Medicare costs
- Oklahoma Health Care Authority — SoonerCare benefits
- Oklahoma Human Services — Help with Medicare Part A and B premiums
- CMS — CY2027 Medicare Advantage and Part D Landscape files
More questions in this guide
- Do I have to pay a premium for Medicare Part A?
- How do I lower my IRMAA after I retire?
- How much is Medicare Part B in 2027?
- What is IRMAA and will I have to pay it?
- What is the Medicare Part D out-of-pocket cap for 2027?
Part of the guide: Medicare costs in 2026 for Oklahomans · All questions
Frequently asked questions
Is Medicare cheaper in Oklahoma than in other states?
The Part A and Part B amounts are the same nationwide. Premiums for Part D, Medigap and Medicare Advantage plans are set by the companies and differ by plan, county and, for Medigap, factors like your age. Compare plans for your own ZIP code.
Do I still pay the Part B premium with a Medicare Advantage plan?
Yes. You keep paying your Part B premium when you join a Medicare Advantage plan, plus any premium the plan charges.
Who in Oklahoma can get help paying Medicare premiums?
OHCA says it pays the Part B premium for SoonerCare members 65 or older and certain blind or disabled members. People with limited income and resources can also apply for a Medicare Savings Program at their OKDHS Human Services Center, and for Extra Help with drug costs through Social Security.
Medicare in your Oklahoma county
Plans, local agents and help, county by county: Oklahoma · Tulsa · Cleveland · Canadian · Comanche · Rogers · Wagoner · Payne · Pottawatomie · Creek · Muskogee · Garfield · Grady · Washington · Logan · Bryan · Le Flore · Carter · Cherokee · McClain · All 77 counties →