Modifed adjusted gross income single filers Modifed adjusted gross income married joint filers Part B monthly premium Part D monthly premium $109,000 or less $218,000 or less $202.90 Your plan premium $109,001 – $137,000 $218,001 – $274,000 $284.10 $14.50 + your plan premium $137,001 – $171,000 $274,001 – $342,000 $405.80 $37.50 + your plan premium $171,001 – $205,000 $342,001 – $410,000 $527.50 $60.40 + your plan premium $205,001 – $499,999 $410,001 – $749,999 $649.20 $83.30 + your plan premium $500,000 and above $750,000 and above $689.90 $91.00 + your plan premium Medicare Part B and Part D Monthly Premiums (2026) (based on MAGI for 2024 tax year A 65-year-old couple may need as much as $469,000 to cover their retirement health-care expenses. This estimate is based on the savings needed to cover premiums for Medicare Part B and Part D, Part B and Part D deductibles, premiums for Medigap Plan G, and median out-of-pocket prescription drug expenses in retirement. It does not factor in costs to cover long-term care and other health expenses not covered by Medicare. Savings needed to cover health expenses for Medicare Advantage plan enrollees will generally be less. Source: Employee Benefit Research Institute, 2026 People often underestimate the potential cost of health care in retirement — even with Medicare.
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