Most Medicare costs are federal. They are the same in Yuma as they are in Boston, and they reset every January. What differs locally is what you pay on top of them — your Medicare Advantage or Medigap premium.
Source: CMS 2026 Medicare Parts A & B Premiums and Deductibles, released November 14, 2025, and the 2026 Part D parameters.
Part B
| Item | 2026 amount |
|---|---|
| Standard monthly premium | $202.90 |
| Annual deductible | $283 |
| Coinsurance after the deductible | 20% of the Medicare-approved amount, with no annual cap |
That last line is the one worth pausing on. Original Medicare has no out-of-pocket maximum for Part A and Part B. It is the single reason people add a Medigap policy or choose a Medicare Advantage plan, both of which cap your exposure.
Part A
Most people pay no Part A premium because they or a spouse worked 40 quarters. If you did not, there is a premium:
| Item | 2026 amount |
|---|---|
| Premium — 40+ work quarters | $0 |
| Premium — 30 to 39 quarters | $311 / month |
| Premium — fewer than 30 quarters | $565 / month |
| Hospital deductible | $1,736 per benefit period |
| Coinsurance, days 61–90 | $434 / day |
| Coinsurance, lifetime reserve days | $868 / day |
| Skilled nursing coinsurance, days 21–100 | $217 / day |
Note that the Part A deductible is per benefit period, not per year. Two separate hospital stays more than 60 days apart mean two deductibles.
Part D
| Item | 2026 amount |
|---|---|
| Out-of-pocket cap | $2,100 per year |
| National base beneficiary premium | $38.99 (used to calculate penalties) |
Once your own spending on covered drugs reaches $2,100, you pay nothing further for covered drugs that year. More on Part D →
IRMAA — if your income is higher
Based on your 2024 tax return. Part D amounts are added to whatever your drug plan charges.
| Single filer (2024) | Married filing jointly | Part B / month | Part D surcharge |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 |
| $109,001–$137,000 | $218,001–$274,000 | $284.10 | +$14.50 |
| $137,001–$171,000 | $274,001–$342,000 | $405.80 | +$37.50 |
| $171,001–$205,000 | $342,001–$410,000 | $527.50 | +$60.40 |
| $205,001–$499,999 | $410,001–$749,999 | $649.20 | +$83.30 |
| $500,000 or more | $750,000 or more | $689.90 | +$91.00 |
A one-off income event — selling a house, a business sale, a Roth conversion — can push you into a tier for a single year. If your income dropped because of a life-changing event such as retirement or the death of a spouse, you can appeal using Form SSA-44.
What is decided in Arizona
The figures above are national. Three things are not:
- Your Medicare Advantage premium. Arizona has a competitive market with many $0-premium plans, particularly in Maricopa and Pima counties. Availability is defined county by county.
- Your Medigap premium. Set by carrier and rating area, and re-rated year to year. Two people with identical Plan G coverage can pay very different amounts.
- Whether you qualify for help. Arizona runs Medicare Savings Programs through AHCCCS that can pay your Part B premium outright — and notably, Arizona applies no asset test to them. More on that →
Common questions
Why did my Part B premium go up in 2026?
The standard Part B premium is $202.90 a month in 2026, set by CMS each autumn for the following year. If you are paying more than the standard amount, that is IRMAA — an income-related surcharge based on your 2024 tax return, not a penalty.
Does Original Medicare have an out-of-pocket maximum?
No. Original Medicare Part A and Part B have no annual cap on what you can spend — after the deductible you pay 20% coinsurance with no ceiling. Adding a Medigap policy or choosing a Medicare Advantage plan is how people limit that exposure.
Are Medicare costs different in Phoenix than in Yuma?
The federal amounts are identical statewide. What differs by county is which Medicare Advantage plans are offered and at what premium, and Medigap premiums vary by carrier and rating area. Those are the parts worth comparing.
What is the Part A benefit period?
A benefit period starts the day you are admitted as an inpatient and ends when you have been out of hospital or skilled nursing care for 60 consecutive days. The $1,736 deductible applies per benefit period, so two separate stays more than 60 days apart mean paying it twice in one year.
