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How are Medicare benefits changing for 2026?
Changes to 2025 Medicare coverage include a $2,000 cap on Part D out-of-pocket costs, small reductions in the average premium for Medicare Advantage and Part D plans, increases for Medicare Part B and Part A premiums and cost-sharing, and adjustments to income-related premium surcharges for Part B and Part D.
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What is the income-related monthly adjusted amount (IRMAA)?
For 2025, high-income beneficiaries – earning over $106,000 a year – pay an IRMAA surcharge that’s added to their Part B and Part D premiums and determined by income from their income tax returns two years prior.
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Maggie Aime

Maggie Aime

Maggie Aime is a health, wellness and medical personal finance writer. With over 25 years in healthcare and a passion for education, she draws on her rich experience across nursing specialties, case management, revenue management, medical coding, and utilization review nurse consultant roles to create content that informs, inspires, and empowers. She’s passionate about educating […]

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Louise Norris

Louise Norris

Louise Norris has written more than 120 opinions and educational pieces about Obamacare for healthinsurance.org and authors our ACA Open Enrollment Guide. The guide is filled with tips designed to help consumers select the right ACA-compliant coverage and spend less time doing it.

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Maurie Backman

Maurie Backman

Maurie Backman has been writing professionally for well over a decade, and her coverage area runs the gamut from healthcare to personal finance to career advice. Much of her writing these days revolves around retirement and its various components and challenges, including healthcare, Medicare, Social Security, and money management.

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Tanya Feke, M.D.

Tanya Feke, M.D.

Tanya Feke M.D. is a licensed, board-certified family physician living in New Hampshire. As a practicing primary care physician in Connecticut and an urgent care physician in New Hampshire for nearly ten years, she saw first-hand how Medicare impacted her patients. In recent years, her career path has shifted to consultant work with a focus on utilization review and medical necessity compliance.

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