Every figure below comes from the official CMS fact sheet for 2026. We have organized it the way you actually experience it: what comes out of your check every month, what you pay when you use care, and the income brackets that quietly decide your premium two years in advance.
Open the Official CMS Fact SheetMost people pay no Part A premium. The costs show up when you are admitted. Per benefit period in 2026:
Skilled nursing facility, per benefit period: $0 for days 1 through 20, then $217 per day for days 21 through 100, then all costs. Notice what Medicare does not do here: it is not long-term care coverage, and day 101 is the cliff. That gap is exactly why the roof layer of the MV Blueprint treats long-term care as its own decision.
The standard 2026 Part B premium is $202.90 per month, and the annual Part B deductible is $283. But if your income is above the thresholds, you pay an income-related monthly adjustment amount (IRMAA), and here is the part that surprises people: your 2026 premium is set by your 2024 tax return.
| 2024 income, filing individually | 2024 income, filing jointly | 2026 monthly Part B |
|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 |
| above $109,000 up to $137,000 | above $218,000 up to $274,000 | $284.10 |
| above $137,000 up to $171,000 | above $274,000 up to $342,000 | $405.80 |
| above $171,000 up to $205,000 | above $342,000 up to $410,000 | $527.50 |
| above $205,000, under $500,000 | above $410,000, under $750,000 | $649.20 |
| $500,000 or above | $750,000 or above | $689.90 |
Higher incomes also pay a monthly adjustment on top of whatever their drug plan charges:
| 2024 income, filing individually | 2024 income, filing jointly | Added to your plan premium |
|---|---|---|
| $109,000 or less | $218,000 or less | $0 |
| above $109,000 up to $137,000 | above $218,000 up to $274,000 | +$14.50 |
| above $137,000 up to $171,000 | above $274,000 up to $342,000 | +$37.50 |
| above $171,000 up to $205,000 | above $342,000 up to $410,000 | +$60.40 |
| above $205,000, under $500,000 | above $410,000, under $750,000 | +$83.30 |
| $500,000 or above | $750,000 or above | +$91.00 |
Part C premiums vary by plan; compare current offerings at Medicare.gov/plan-compare. If you stay with Original Medicare, a Medigap policy can cover many of the deductibles and coinsurance amounts on this page. See our companion guide: Medicare Supplement (Medigap) in Virginia, including the six-month enrollment window and the state's premium comparison tool.
In a complimentary review we map your income plan against these brackets, look at which row you are on track to occupy, and check whether a conversion or withdrawal strategy changes the answer. If your plan is already efficient, that is exactly what we will tell you.
Schedule a Complimentary ReviewAll figures from CMS Product No. 11579, "2026 Medicare Costs" (December 2025), the official fact sheet linked above; verified September 2026. Amounts reset every calendar year and late-enrollment penalties can increase them. Mountain View Wealth Management, LLC is a registered investment adviser and is not affiliated with Medicare, CMS, or any government agency. This page is educational only and is not individualized investment, tax, or insurance advice. Questions about your specific premium: Social Security at (800) 772-1213 or 1-800-MEDICARE.