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Medicare · 2026

Understanding Medicare Parts A, B, C, and D

A current, plain-language orientation to Medicare’s major coverage components and selected 2026 cost figures.

Last reviewed: August 21, 2026United States · FederalPrimary-source reviewed

Part A: Hospital insurance

Part A generally covers inpatient hospital care, skilled nursing facility care under qualifying conditions, hospice, inpatient rehabilitation, and certain home health services. In 2026, the inpatient hospital deductible is $1,736 per benefit period.

$434 per day2026 hospital coinsurance for days 61–90 in a benefit period.
$868 per day2026 coinsurance for lifetime reserve days.
$217 per day2026 skilled nursing facility coinsurance for days 21–100.
Benefit-period basisThe Part A inpatient deductible is not simply an annual deductible.

Part B: Medical insurance

Part B generally covers physicians’ services, outpatient hospital services, durable medical equipment, certain home health services, and other covered medical services. The 2026 standard monthly premium is $202.90 and the annual deductible is $283. Higher-income enrollees may pay an income-related adjustment.

Part C: Medicare Advantage

Medicare Advantage plans are offered by Medicare-approved private companies as an alternative way to receive Part A and Part B benefits. Plans may include Part D coverage and supplemental benefits, but networks, cost sharing, prior authorization, and plan rules vary.

Part D: Prescription-drug coverage

Part D is available through standalone prescription drug plans and many Medicare Advantage plans. Premiums, formularies, pharmacies, and cost sharing vary. In 2026, the annual out-of-pocket threshold for covered Part D drugs is $2,100.

Why annual review matters

Medicare premiums, deductibles, thresholds, plan offerings, and formularies can change annually. Communications should identify the applicable year and link to current Medicare or CMS material.

Primary sources

This resource is provided for general educational purposes and does not constitute legal, tax, benefits, or other professional advice. Requirements and individual circumstances vary. Confirm current rules with authoritative sources and qualified advisors.

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  1. Pingback: Medicare Part D 2025 Updates: Creating Lower Costs & Greater Access – Lvl Haus

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