Quick answers
- How much is Part B in Oregon in 2026?
- The standard Part B premium is $202.90 a month and the deductible is $283, the same as everywhere in the country. Higher incomes pay more (IRMAA).
- Do I pay a premium for Part A?
- Most people pay no Part A premium because they or a spouse paid Medicare taxes for at least 40 quarters (about 10 years). Others can buy Part A for up to $565 a month in 2026.
- What is the Part D out-of-pocket cap?
- In 2026, once you have paid $2,100 for covered drugs, you pay nothing more for covered Part D drugs for the rest of the year. The Part D coverage gap no longer exists.
- When will the 2027 Part A and Part B amounts be known?
- CMS publishes them each fall in its Medicare Parts A and B premiums and deductibles fact sheet. The 2026 amounts on this page apply through December 31, 2026.
- Can Oregon help me pay Medicare costs?
- Yes. Oregon's Medicare Savings Programs can pay your Part B premium, and QMB also pays deductibles and coinsurance. Oregon has had no asset test for QMB, SMB or the SMF benefit since January 1, 2016.
Medicare costs come in two layers. The federal layer (Part A and Part B premiums and deductibles, IRMAA, the Part D cap) is set by CMS and is the same in Portland, Pendleton and Port Orford. The plan layer (Medigap premiums, Medicare Advantage copays, Part D plan premiums) depends on the plan you choose and where you live in Oregon. This page covers the federal amounts for 2026 and what is specific to Oregon. For next year, see Medicare costs in 2027.
Part A (hospital insurance) costs in 2026
Most people get Part A without a premium because they or their spouse worked and paid Medicare taxes for at least 40 quarters. If you don't have enough work history, you can buy Part A.
| Part A item | 2026 amount |
|---|---|
| Premium with 40 or more quarters of work | $0 |
| Premium with 30–39 quarters | $311 a month |
| Premium with fewer than 30 quarters | $565 a month |
| Hospital deductible (each benefit period) | $1,736 |
| Hospital days 1–60 | $0 after the deductible |
| Hospital days 61–90 | $434 a day |
| Lifetime reserve days (up to 60 in your lifetime) | $868 a day |
| Skilled nursing facility days 1–20 | $0 |
| Skilled nursing facility days 21–100 | $217 a day |
| Skilled nursing facility after day 100 | You pay all costs |
A benefit period starts the day you are admitted and ends after you have been out of the hospital or skilled nursing facility for 60 days in a row, so you can owe the Part A deductible more than once a year.
Part B (medical insurance) costs in 2026
| Part B item | 2026 amount |
|---|---|
| Standard monthly premium | $202.90 |
| Yearly deductible | $283 |
| Coinsurance after the deductible | 20% of the Medicare-approved amount |
| Yearly out-of-pocket limit in Original Medicare | None |
| Late-enrollment penalty | 10% of the standard premium for each full 12 months you could have had Part B but didn't |
Original Medicare has no yearly cap on your share of costs. That is the main reason people add a Medigap policy or choose a Medicare Advantage plan, which has a yearly out-of-pocket limit.
IRMAA: higher premiums for higher incomes
If your modified adjusted gross income (MAGI) from two years earlier is above a threshold, you pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of the Part B premium and a surcharge on your Part D premium. For 2026, Social Security uses your 2024 tax return. The brackets are cliffs, not marginal: one dollar over a line moves you into the whole next tier.
| 2024 MAGI, single | 2024 MAGI, married filing jointly | Part B premium per month | Part D surcharge per month |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0 |
| $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 |
Married filing separately (if you lived with your spouse during the year): $202.90 up to $109,000; $649.20 above that and below $391,000; $689.90 at $391,000 or more.
If your income has dropped because you retired, stopped working or had another life-changing event, you can ask Social Security to use a more recent year with Form SSA-44. See how to appeal IRMAA after retiring and what IRMAA is and whether you will pay it.
Part D (drug coverage) costs in 2026
| Part D item | 2026 amount |
|---|---|
| National base beneficiary premium (used for the late penalty) | $38.99 a month |
| Highest deductible a plan may charge | $615 |
| Yearly out-of-pocket cap for covered drugs | $2,100 |
| Covered insulin | No more than $35 for a month's supply |
| Coverage gap ("donut hole") | Ended in 2025 |
Your actual Part D premium, deductible and copays depend on the plan. Oregon and Washington together form Part D region 30. For 2027, CMS data show 8 standalone Part D plans in Oregon from 4 companies, plus Medicare Advantage plans that include drug coverage. If you would rather spread drug costs across the year than pay at the pharmacy, every Part D plan offers the Medicare Prescription Payment Plan. See Part D in Oregon.
Medigap (Medicare Supplement) costs
Medigap policies are sold by private companies and regulated in Oregon by the Division of Financial Regulation (DFR). Benefits are standardized by plan letter, so Plan G covers the same things from every company, but premiums differ by company, your age, where you live and tobacco use. Oregon allows companies to price policies by attained age, and some use other methods, so ask how a policy is priced before you buy. A few plans have federal dollar amounts:
| Plan | How it works | 2026 federal amount |
|---|---|---|
| Plan K | Pays 50% of most cost-sharing until you reach a yearly limit | Out-of-pocket limit $8,000 |
| Plan L | Pays 75% of most cost-sharing until you reach a yearly limit | Out-of-pocket limit $4,000 |
| High-deductible Plan G (and F) | Same benefits as Plan G after a yearly deductible | Deductible $2,950 |
| Plan N | Copays of up to $20 for some office visits and up to $50 for emergency room visits that don't lead to admission | Set by the standard plan design |
Oregon gives current Medigap policyholders a yearly chance to switch to a plan with the same or fewer benefits, without health questions, from 30 days before to 30 days after their birthday (OAR 836-052-0143). See Medigap in Oregon.
Medicare Advantage costs in Oregon
With a Medicare Advantage plan you still pay your Part B premium, plus any premium the plan charges and its copays and coinsurance. Every plan must have a yearly out-of-pocket limit for Part A and Part B services. In 2026 that limit can't be higher than $9,250 for in-network care, or $13,900 for in- and out-of-network care combined in a PPO. Each plan sets its own amounts, so check a plan's Summary of Benefits before you join.
Where you live in Oregon decides which plans you can join. For 2027, CMS data show 61 Medicare Advantage plans open to everyone in their service areas in Oregon, from 14 companies, plus 26 special needs plans. But for 2026 and 2027 there is no Medicare Advantage plan open to everyone in Grant, Harney, Lake, Umatilla or Union counties (only employer group plans), and Curry County has only a special needs plan. Look up your county on our county pages, or see Medicare Advantage in Oregon.
Help paying Medicare costs in Oregon
- Medicare Savings Programs. The Oregon Department of Human Services (ODHS) runs QMB, SMB, the SMF benefit and QDWI. QMB pays Part A and Part B premiums, deductibles and coinsurance; SMB and SMF pay the Part B premium. Oregon has no asset limit for QMB, SMB or SMF. See Medicare Savings Programs in Oregon.
- Extra Help. The federal Low-Income Subsidy lowers Part D premiums, deductibles and copays. People with an Oregon Medicare Savings Program, full OHP or SSI get it automatically. See Extra Help in Oregon.
- Oregon Health Plan (OHP). OHA says OHP can help pay Medicare premiums, deductibles and coinsurance for members who also have Medicare. See OHP and Medicare.
How to estimate your total yearly cost
- Start with the fixed costs. Add your Part B premium (plus IRMAA, if any) for 12 months.
- Add your plan's premiums. Medigap and Part D premiums, or the Medicare Advantage plan premium, for 12 months.
- Estimate a typical year. Use your usual doctor visits and prescriptions with the plan's copays and its drug list.
- Check a bad year. With Original Medicare and Medigap, look at what the policy leaves to you (for example, the Part B deductible with Plan G). With Medicare Advantage, look at the plan's out-of-pocket limit. Add the Part D cap.
- Compare. You can compare plans by ZIP code on PlanMatch or Medicare.gov, or you can request a call from a licensed insurance agent to review plans from the companies they work with.
Sources
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, includes IRMAA)
- Medicare.gov — Medicare costs
- Medicare.gov — Costs for Medicare drug coverage
- Medicare.gov — Medicare Prescription Payment Plan
- Or. Admin. Code § 836-052-0143, Annual opportunity to select another Medicare supplement policy (via Cornell LII)
- Oregon Department of Human Services — Medicare Savings Programs
- Oregon Health Authority — OHP and Medicare
- CMS — Medicare Advantage and Part D Landscape files, contract year 2027 (plan counts)
Every question in this guide
Frequently asked questions
What does Medicare cost in Oregon in 2026?
Federal Medicare costs are the same in Oregon as nationwide: most people pay no Part A premium, the standard Part B premium is $202.90 a month, the Part B deductible is $283, and Part D out-of-pocket costs for covered drugs are capped at $2,100. What you pay for a Medigap policy, Medicare Advantage plan or Part D plan depends on the plan and your county.
How is IRMAA calculated for 2026?
Social Security uses your modified adjusted gross income from your 2024 tax return. The brackets are cliffs: one dollar over a threshold moves you into the next tier. Single filers pay IRMAA above $109,000 and joint filers above $218,000.
Is there still a Part D donut hole?
No. The coverage gap ended in 2025. In 2026 your out-of-pocket costs for covered Part D drugs are capped at $2,100 for the year, and insulin covered by your plan costs no more than $35 for a month's supply.
Does Oregon pay Medicare premiums for people with low income?
Yes, through the Medicare Savings Programs run by the Oregon Department of Human Services. QMB pays Part A and Part B premiums, deductibles and coinsurance; SMB and the SMF benefit pay the Part B premium. Apply at one.oregon.gov or call ONE Customer Service at 1-800-699-9075.
Medicare in your Oregon county
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