Part B Premiums Jump $18, Kidney Transplant Coverage Stays
Published Date: 11/19/2025
Notice
Summary
Starting January 1, 2026, Medicare Part B premiums and deductibles are going up. Most people aged 65+ will pay a monthly premium of $202.90, which is nearly $18 more than last year, and the deductible will be $283. Disabled beneficiaries and those with higher incomes will see different rates. Plus, folks needing immunosuppressive drugs after a kidney transplant can keep coverage by paying a $121.60 premium.
Analyzed Economic Effects
6 provisions identified: 1 benefits, 5 costs, 0 mixed.
High-Income Medicare Surcharges (IRMAA)
If your modified adjusted gross income is above $109,000 (individual filer) or $218,000 (joint filers), you may pay an income-related monthly adjustment amount (IRMAA) on top of the standard premium. Depending on income, beneficiaries can be responsible for about 35%, 50%, 65%, 80%, or 85% of Part B costs, with total monthly premiums shown in the notice (for example, up to $689.90 per month for the highest bracket in 2026).
Immunosuppressive Drug Coverage Premium
Beginning January 1, 2026, people who are 36 months post-kidney-transplant and elect Part B coverage only for immunosuppressive drugs pay a monthly premium of $121.60 (the amount can be higher if IRMAA applies). Electing this coverage lets you keep drug coverage even after full Medicare eligibility ends.
Medicare Part B Premium Rises
Starting January 1, 2026, the standard Medicare Part B monthly premium is $202.90. This is $17.90 (9.7%) higher than the 2025 standard premium of $185.00.
Part B Annual Deductible Set
Beginning January 1, 2026, the Medicare Part B annual deductible is $283.00 for all Part B beneficiaries. You must meet this deductible before certain Part B benefits begin to pay.
Hold-Harmless Protection for Social Security Recipients
For beneficiaries whose Part B premium is deducted from Social Security payments, premium increases may be reduced so the individual's net Social Security payment does not drop. The hold-harmless rule does not apply to beneficiaries who pay an income-related monthly adjustment amount (IRMAA).
Final $0.20 Repayment Added to Premium
The 2026 Part B premium includes a $0.20 monthly repayment amount required under law; this is the final repayment amount to repay prior transfers. This $0.20 is added to the otherwise determined premium each month.
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