Most Medicare beneficiaries have $202.90 deducted from their Social Security check each month for Medicare Part B in 2026. This standard premium applies to individuals earning up to $109,000 annually or couples filing jointly earning up to $218,000.
Higher earners pay more due to Income-Related Monthly Adjustment Amount (IRMAA). Depending on your income level, your Part B premium could range from $296.70 to $750.20 per month. The exact amount depends on your modified adjusted gross income from two years prior.
Medicare Part A is typically premium-free if you or your spouse worked and paid Medicare taxes for at least 40 quarters. If you don’t qualify for premium-free Part A, you’ll pay either $311 or $565 monthly, depending on your work history.
The deduction happens automatically once you’re enrolled in both Medicare and Social Security. You don’t need to take any action. Your Social Security benefit statement will show the Medicare premium deduction clearly.
Additional costs may apply if you have Medicare Part D prescription drug coverage or a Medicare Advantage plan.