Calculator
Your Social Security deposit after Medicare Part B
The COLA raises your benefit; the Part B premium comes out of it. Enter last year’s benefit and both premiums.
New monthly benefit$2,056$56 more a month with a 2.8% COLA
| Benefit before the COLA | $2,000 |
|---|---|
| × (1 + 2.8%) | $2,056.00 |
| New benefit (rounded down) | $2,056 |
| Medicare Part B premium (old → new) | $185.00 → $202.90 |
| Deposit after Part B (old → new) | $1,815.00 → $1,853.10 |
The SSA applies the COLA to your full benefit and rounds the benefit down to the whole dollar; the Medicare premium is then subtracted, so the deposit can have cents.
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Medicare Part B premium and deductible: 2025 vs 2026
CMS set the 2026 standard Part B premium at $202.90 and the annual deductible at $283[cms26]. CMS attributes the increase mainly to projected price changes and higher use of services. The Part A hospital costs rose too:
| Item | 2025 | 2026 |
|---|---|---|
| Part B standard monthly premium | $185.00 | $202.90 |
| Part B annual deductible | $257 | $283 |
| Part B premium range with IRMAA | $259.00–$628.90 | $284.10–$689.90 |
| Part A inpatient hospital deductible | $1,676 | $1,736 |
| Hospital coinsurance, days 61–90 (per day) | $419 | $434 |
| Lifetime reserve days (per day) | $838 | $868 |
| Skilled nursing, days 21–100 (per day) | $209.50 | $217.00 |
| Part A premium, 30–39 work quarters | $285 | $311 |
| Part A premium, under 30 quarters | $518 | $565 |
About 99% of people pay no Part A premium because they or a spouse have 40 quarters of Medicare-covered work[cms26]. The 2025 figures are from CMS's 2025 fact sheet[cms25].
Medicare cost 2026 for a typical enrollee
At the standard premium, Part B costs $2,434.80 for 2026 ($202.90 × 12), plus the $283 deductible before Part B starts paying, then usually 20% coinsurance. Part D drug plans and Medigap or Medicare Advantage premiums are separate and vary by plan.
About 8% of people with Part B pay more because of income[cms26]. The 2026 surcharges are based on 2024 income and start above $109,000 for single filers ($218,000 joint); the full tables and a calculator are on the IRMAA brackets 2026 page.
Medicare deduction from Social Security in 2026
If you get Social Security, Part B is taken out of your monthly payment, so the 2.8% COLA for 2026 was partly used up by the higher premium[cola26]. In the calculator's default example, a $2,000 benefit rises to $2,056 (rounded down to the dollar), and after the $202.90 premium the deposit is $1,853.10, up from $1,815.00 in 2025: $38.10 more a month instead of the full $56.
A hold-harmless rule in the Social Security Act stops most people's Part B increase from being larger than their COLA in dollars, so the net check cannot go down from one year to the next[s1839]. It does not cover people who pay IRMAA, new enrollees or people whose premiums are paid by Medicaid. For 2026 it matters only for small benefits: 2.8% of a benefit under about $639 is less than the $17.90 premium increase.
Medicare Part B premium 2027
CMS had not published the 2027 Part B premium, deductible or IRMAA brackets when this page was last updated (November 13, 2026); it usually does so in November. The 2027 Social Security COLA is 3.6%, so a $2,056 benefit becomes $2,130; whether the deposit grows by the full $74 depends on the new premium. See the 2027 COLA page for the full list of 2027 changes, and the payment schedule for deposit dates.
Common mistakes
- Expecting the full COLA in your bank account. The COLA applies to the gross benefit; the new premium comes out after it.
- Missing the initial enrollment window. Signing up for Part B late without other qualifying coverage adds a 10% premium penalty for each full 12 months you could have had it, usually for as long as you have Part B[s1839].
- Assuming Medicare starts with Social Security. Medicare starts at 65 even if your full retirement age is 67; if you are not yet collecting Social Security, you pay Part B directly.
- Forgetting the income look-back. A large 2024 income can raise your 2026 premium even after you retire.
Estimate your benefit firstThe Social Security calculator shows your gross benefit at any claiming age; subtract the Part B premium above for the amount you actually receive.
Frequently asked questions
How much is the Medicare Part B premium in 2026?
$202.90 a month for most people, up from $185.00 in 2025. People with 2024 MAGI above $109,000 (single) or $218,000 (joint) pay $284.10 to $689.90.
What is the 2026 Medicare Part B deductible?
$283 for the year, up $26 from $257. The Part A hospital deductible is $1,736 per benefit period.
How much will be deducted from my Social Security for Medicare in 2026?
The standard $202.90 a month for Part B, plus any IRMAA and, if you chose to, your Part D or Medicare Advantage premium. On a $2,000 benefit from 2025, the 2026 deposit is $1,853.10.
What is the Medicare Part B premium for 2027?
It had not been announced as of November 13, 2026. CMS usually announces it in November, together with the deductible and the 2027 IRMAA brackets.