2026 Medicare costs (same in every state)
| Cost | 2026 amount |
|---|---|
| Part A premium, with 40+ quarters of work (yours or a spouse's) | No premium |
| Part A premium, if you buy it (30–39 quarters / under 30) | $311 / $565 a month |
| Part A hospital deductible | $1,736 per benefit period |
| Part A hospital coinsurance, days 61–90 | $434 a day |
| Skilled nursing facility, days 21–100 | $217 a day |
| Part B standard premium | $202.90 a month |
| Part B deductible | $283 a year, then usually 20% |
| Part D maximum deductible | $615 |
| Part D out-of-pocket cap (covered drugs) | $2,100 a year |
| Medicare Advantage in-network out-of-pocket limit (highest allowed) | $9,250 |
For 2027, CMS has already set the Part D cap and the Medicare Advantage limit; Part A and Part B amounts come out in the fall. See Medicare costs for 2027.
Higher premiums at higher incomes (IRMAA)
If your income two years earlier was above $109,000 (single) or $218,000 (joint), you pay more for Part B and Part D. The brackets are cliffs: one dollar over a line moves you to the next tier, starting at $284.10 a month for Part B. If your income dropped because you retired, you can ask Social Security to use a newer year.
What varies in Oregon
- Medicare Advantage: 61 plans open to everyone are offered somewhere in Oregon for 2027, but the number per county ranges from none to 32. You still pay your Part B premium.
- Part D: 8 standalone drug plans are offered statewide for 2027. Premiums and drug costs differ by plan.
- Medigap: premiums depend on the plan letter, the company, your age and where you live. Oregon allows companies to price by attained age, so ask how a policy is priced. The Oregon Division of Financial Regulation regulates Medigap; questions go to 1-888-877-4894.
To compare costs for your county, see plans by county or request a call from a licensed insurance agent.
Help with costs
Oregon's Medicare Savings Programs pay the Part B premium, and for some people deductibles and coinsurance, with no asset limit. Extra Help lowers Part D costs. People with both Medicare and the Oregon Health Plan get help with Medicare costs too; see dual eligibility in Oregon.
Related questions
Is Medicare free at 65?
What most people pay, and what they don't.
How much is Part B in 2027?
When CMS announces it.
What is IRMAA and will I pay it?
The income brackets explained.
Sources
- Medicare.gov — Medicare costs
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- CMS — Medicare Advantage/Part D contract and enrollment data (CY2027 Landscape)
- Oregon Department of Human Services — Medicare Savings Programs
More questions in this guide
- How do I lower my IRMAA after I retire?
- How much is Medicare Part B in 2027?
- Is Medicare free at 65?
- What is IRMAA and will I have to pay it?
Part of the guide: Medicare costs in Oregon — 2026 · All questions
Frequently asked questions
Is Medicare cheaper or more expensive in Oregon?
Part A and Part B costs are set nationally and are the same in Oregon as anywhere else. What differs is the premium for a Medicare Advantage, Part D or Medigap plan, which depends on the plan and where you live.
Why is my Part B premium higher than the standard amount?
Probably IRMAA, the income-related amount. In 2026 it applies if your 2024 modified adjusted gross income was above $109,000 (single) or $218,000 (married filing jointly). Social Security sends a letter explaining it.
Does Original Medicare have an out-of-pocket maximum?
No. Original Medicare has no yearly limit on what you pay. Medicare Advantage plans must have one, up to $9,250 in network in 2026, and many people with Original Medicare buy a Medigap policy to cover gaps.
Medicare in your Oregon county
Plans, local agents and help, county by county: Multnomah · Washington · Clackamas · Lane · Marion · Jackson · Deschutes · Linn · Douglas · Yamhill · Benton · Polk · Josephine · Umatilla · Klamath · Coos · Columbia · Lincoln · Clatsop · Malheur · All 36 counties →
