The reference card
Every Medicare number, one page.
Official 2026 figures from CMS, alongside every 2027 change confirmed so far. Pending items fill in within days of the fall announcements. Print it; the print version drops the site chrome automatically.
Part B: medical insurance
| Item | 2026 | 2027 |
|---|---|---|
| Standard monthly premium | $202.90 | Announced late Oct/early Nov |
| Annual deductible | $283 | Pending |
| Coinsurance after deductible | 20%, no annual cap | Unchanged |
| IRMAA surcharges begin above (single / joint) | $109,000 / $218,000 | 2027 brackets pending |
| Highest Part B total with IRMAA | $689.90 | Pending |
Part A: hospital insurance
| Item | 2026 | 2027 |
|---|---|---|
| Premium with ~10 years covered work | $0 | $0 |
| Premium: 30–39 quarters / under 30 | $311 / $565 | Pending |
| Deductible per benefit period | $1,736 | Pending |
| Daily coinsurance, days 61–90 | $434 | Pending |
| Skilled nursing daily coinsurance, days 21–100 | $217 | Pending |
Part D: drug coverage
| Item | 2026 | 2027 |
|---|---|---|
| Out-of-pocket cap on covered drugs | $2,100 | $2,400 (final) |
| Standard deductible (maximum) | $615 | $700 (final) |
| National base premium | $38.99 | $41.33 (final) |
| Insulin, per month’s supply | $35 | $35 |
| ACIP-recommended vaccines | $0 | $0 |
| Negotiated-price drugs in effect | 10 | 25 (15 more Jan 1, incl. semaglutide at $274/mo) |
Medigap and penalties
| Item | 2026 | 2027 |
|---|---|---|
| High-deductible Plan G deductible | $2,950 | Pending |
| Plan N copays (office / ER) | up to $20 / $50 | Unchanged structure |
| Part B late penalty | +10% per 12 months late, permanent | Same rule |
| Part D late penalty | 1% of $38.99 per month | 1% of $41.33 per month |
| Medigap open enrollment | 6 months from Part B start | Same rule |
The calendar
| Item | 2026 | 2027 |
|---|---|---|
| Annual Enrollment (change plans) | Oct 15 – Dec 7 | Same window |
| Advantage Open Enrollment (one switch) | Jan 1 – Mar 31 | Same window |
| General Enrollment (late Part B) | Jan 1 – Mar 31, coverage next month | Same window |
| Initial window at 65 | 7 months around your birthday month | Same rule |
| GLP-1 Bridge program ($50/mo weight-loss GLP-1s) | Active | Through Dec 31, 2027 |
Sources: the CMS 2026 Parts A & B premiums and deductibles announcement, the CMS CY2027 Rate Announcement, and the July 2026 Part D bid announcement. Deeper context for any line: the monthly cost article, the IRMAA brackets, and the 2027 changes rundown.
The one paid thing
Stop re-reading Medicare articles. Decide, on paper, in two evenings.
The Turning-65 Decision Workbook is this site’s free explanations turned into pages you fill in, so the decision ends up written down instead of rattling around in your head.
- Your enrollment dates calculated from your own birthday, with the penalty deadlines marked
- Advantage vs. Medigap scored against your doctors, drugs, travel, and budget
- Word-for-word scripts for the broker, HR, the pharmacy, and Social Security
- The September re-shop ritual you reuse every fall, with the 2026 and 2027 numbers card
Instant PDF download. Free update when the remaining 2027 figures land. Full refund within 30 days if it doesn’t help, and you keep the PDF.