Quick answers
- What is the Part B premium in 2026?
- $202.90 a month for most people, with a $283 yearly deductible. People with higher incomes pay more (IRMAA).
- What is the Part A deductible in 2026?
- $1,736 for each benefit period. Most people pay no Part A premium because they or a spouse paid Medicare taxes for 40 quarters (about 10 years).
- Is there a cap on drug costs?
- Yes. In 2026 you pay no more than $2,100 out of pocket for covered Part D drugs. The cap rises to a new amount in 2027.
- Florida has no state income tax. Does that lower IRMAA?
- No. IRMAA is set from the modified adjusted gross income on your federal tax return, which counts pensions, IRA withdrawals and capital gains whether or not your state taxes them.
- Who helps Floridians pay Medicare costs?
- The Medicare Savings Programs (QMB, SLMB and QI1), which you apply for with the Department of Children and Families through ACCESS Florida, and Extra Help for drug costs through Social Security.
Every amount below is for calendar year 2026, from CMS and Social Security. Medicare's costs are federal, so they're the same in Miami, Tampa, Jacksonville, Pensacola, Key West or The Villages. About 5,344,538 Floridians had Medicare in July 2026, and every one of them pays by the same national rules. Jump to: Part A · Part B · Paying your premium · IRMAA · Part D · Medicare Advantage · Medigap · Extra Help · Medicare Savings Programs · 2025 vs 2026 · By county
What does Part A cost in 2026?
| Part A cost | 2026 |
|---|---|
| Premium with 40 or more quarters of Medicare-covered work (yours or a spouse's) | No premium |
| Premium with 30 to 39 quarters | $311 a month |
| Premium with fewer than 30 quarters | $565 a month |
| Inpatient deductible (each benefit period) | $1,736 |
| Hospital days 61 to 90 | $434 a day |
| Lifetime reserve days (60 in a lifetime) | $868 a day |
| Skilled nursing facility days 21 to 100 | $217 a day |
Hospital days 1 to 60 and skilled nursing days 1 to 20 have no coinsurance after the deductible. A benefit period ends after 60 days in a row without inpatient or skilled nursing care, so a second hospital stay later in the year can mean a second deductible. If you have to buy Part A, you must also sign up for Part B.
Florida public employees and Part A. In 2023, 88.5% of Florida's state and local government employees were covered by Social Security, according to the Congressional Research Service. Those jobs pay the Medicare tax too, and federal law has required the Medicare tax for nearly all public employees hired after March 31, 1986, even in jobs outside Social Security. So most Florida teachers, state workers and county and city employees earn Part A with no premium. See do I have to pay for Part A? and Medicare Part A.
What does Part B cost in 2026?
| Part B cost | 2026 |
|---|---|
| Standard monthly premium | $202.90 |
| Yearly deductible | $283 |
| Coinsurance for most services | 20% of the Medicare-approved amount |
| Late enrollment penalty | 10% of the standard premium for each full 12 months you delayed |
State retirees who keep State Group Insurance should know the State's rule: once you're eligible for Medicare, the State plan pays claims as if Medicare Part B had paid first, even if you never signed up for Part B, so skipping Part B leaves you paying the share Medicare would have covered. The State's group Medicare Advantage (MA-PD) plans also require Part A and Part B. More on Part B and Florida state retirees and Medicare; estimate a late penalty with the penalty calculator.
How do you pay the premium in Florida?
If you get Social Security or Railroad Retirement benefits, your Part B premium is usually taken out of your monthly payment. If you don't get those benefits yet, for example because you're delaying Social Security past 65, Medicare sends a premium bill.
- How often: every 3 months if you have only Part B (including any Part B IRMAA), and every month if you also pay a Part A premium or a Part D IRMAA.
- How to pay: online through your Medicare account; Medicare Easy Pay, which takes the premium from your bank account each month (it can take 6 to 8 weeks to start, and the form comes in English and Spanish); your bank's online bill pay; or by mail.
- Plan premiums are separate: any premium you pay for State Group Insurance, a Medigap policy, a Part D plan or a Medicare Advantage plan is paid on top of the Part B premium, not instead of it.
- FRS retirees: the FRS Health Insurance Subsidy (HIS) is a monthly payment, based on your years of service, to help retirees of Florida's state-administered retirement systems pay for health insurance. You don't have to be on the State's plan to get it, but you must certify your coverage with the Division of Retirement.
IRMAA: who pays more for Part B and Part D?
If your modified adjusted gross income (MAGI) on your 2024 federal tax return was above the first threshold, you pay more for Part B and Part D in 2026. The Part D amount is added on top of your plan's premium and paid to Medicare. The brackets are cliffs: one dollar into a higher bracket means the whole higher amount applies.
| 2024 MAGI, single | 2024 MAGI, married filing jointly | 2026 Part B premium (monthly) | Part D surcharge (monthly) |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | None |
| $109,001 to $137,000 | $218,001 to $274,000 | $284.10 | $14.50 |
| $137,001 to $171,000 | $274,001 to $342,000 | $405.80 | $37.50 |
| $171,001 to $205,000 | $342,001 to $410,000 | $527.50 | $60.40 |
| $205,001 to under $500,000 | $410,001 to under $750,000 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $91 |
Married people who lived with their spouse at some point during the year and file separate returns have their own brackets:
| 2024 MAGI, married filing separately | 2026 Part B premium (monthly) | Part D surcharge (monthly) |
|---|---|---|
| $109,000 or less | $202.90 | None |
| $109,001 to under $391,000 | $649.20 | $83.30 |
| $391,000 or more | $689.90 | $91 |
No state income tax doesn't mean no IRMAA. Florida's constitution bars a state tax on residents' personal income, but Social Security sets IRMAA only from the MAGI on your federal return: adjusted gross income plus tax-exempt interest. That includes federally taxable income such as an FRS pension, a DROP payout taken in cash, the taxable part of Social Security, IRA and 401(k) withdrawals, required minimum distributions, Roth conversions and capital gains.
Many Floridians arrive after selling a home up north. The federal exclusion for gain on a main home often covers much of that gain, but any taxable gain, and any gain on a second home or rental, counts in the year of the sale and can raise premiums two years later; see does selling a home raise IRMAA? If your income has fallen because of a life-changing event such as retirement, ask Social Security to recalculate with Form SSA-44; see how to lower IRMAA after you retire. Try the IRMAA calculator.
What does Part D cost in 2026?
| Part D amount | 2026 |
|---|---|
| Maximum yearly deductible a plan can charge | $615 |
| Yearly cap on your out-of-pocket drug costs | $2,100 |
| Most you pay for a month's supply of each covered insulin | $35 |
| National base beneficiary premium (used to figure the late penalty) | $38.99 a month |
Plans set their own premiums and can have a lower deductible or none. Once your out-of-pocket costs for covered drugs reach the cap, you pay nothing more for covered Part D drugs for the rest of the year. The Part D late enrollment penalty is 1% of the national base beneficiary premium for each month you went without creditable drug coverage. You can spread drug costs across the year with the Medicare Prescription Payment Plan. Florida has no state drug-assistance program for seniors, so Extra Help (below) is the main help with Part D costs. More on Part D in Florida, or use the drug cap calculator.
What are the Medicare Advantage out-of-pocket limits?
| Medicare Advantage limit | 2026 maximum |
|---|---|
| In-network services (HMO and PPO) | $9,250 |
| In- and out-of-network services combined (PPO) | $13,900 |
These are the highest limits Medicare allows for Part A and Part B services; each plan sets its own limit at or below them. Drug costs count toward the separate Part D cap. You still pay the Part B premium with a Medicare Advantage plan, including the State's group MA-PD plans. More than half of Florida's Medicare population, 3,051,948 people in July 2026, was in Medicare Advantage. More on Medicare Advantage in Florida.
Which Medigap amounts does Medicare set?
Insurance companies set Medigap premiums, and Florida's Office of Insurance Regulation (OIR) must approve rates before a company uses or changes them. Florida law bars attained-age pricing on Medigap, so your premium can't go up automatically just because you get older, although rates can still rise for everyone in a plan. You can compare companies' rates with OIR's CHOICES rate comparison tool. Medicare sets a few amounts for the standardized plans:
| Medigap amount | 2026 |
|---|---|
| High-deductible Plan G (and Plan F for those eligible before 2020) deductible | $2,950 |
| Plan K yearly out-of-pocket limit | $8,000 |
| Plan L yearly out-of-pocket limit | $4,000 |
| Plan N copays | Up to $20 for some office visits, up to $50 for emergency room visits that don't lead to admission |
Florida has no Medigap birthday rule or annual switching right, so outside your six-month Medigap open enrollment period or a guaranteed-issue right, a company can usually review your health before selling you a policy. Florida does add one right of its own: for 2 months after your group health coverage ends, you can buy a Medigap policy without health questions. More on Medigap in Florida.
How much does Extra Help save on drugs?
Extra Help (the Part D Low-Income Subsidy) lowers drug plan premiums, deductibles and copays. For 2026:
| Extra Help | Individual | Married couple |
|---|---|---|
| Yearly income limit (150% of the federal poverty level) | $23,940 | $32,460 |
| Resource limit | $16,590 | $33,100 |
| Resource limit if you expect to use some for burial | $18,090 | $36,100 |
| Most you pay per prescription with Extra Help in 2026 | Generic | Brand name |
|---|---|---|
| Most people with Extra Help | $5.10 | $12.65 |
| People with full Florida Medicaid and income at or below 100% of the poverty level | $1.60 | $4.90 |
Your home, one car and certain other things don't count as resources. Apply through Social Security at ssa.gov/extrahelp or 1-800-772-1213 (TTY 1-800-325-0778). If you have full Florida Medicaid, a Medicare Savings Program or Supplemental Security Income, you qualify automatically. See Extra Help in Florida.
What are Florida's Medicare Savings Program limits?
Florida's Medicare Savings Programs are part of Florida Medicaid, and the Department of Children and Families (DCF) decides who qualifies. DCF sets the income limits as percentages of the federal poverty level and publishes the dollar amounts by household size in its financial standards (Appendix A-9.1, effective April 2026):
| Program | Monthly income limit | What it pays |
|---|---|---|
| QMB (Qualified Medicare Beneficiary) | Up to 100% of the federal poverty level | Part A and Part B premiums, deductibles and coinsurance |
| SLMB (Specified Low-Income Medicare Beneficiary) | Over 100% up to 120% | Part B premium |
| QI1 (Qualifying Individual) | Over 120% up to 135% | Part B premium (yearly federal funding is limited) |
| Asset limit, all three | $9,950 single, $14,910 couple | Countable savings and property |
Florida's asset limits match the federal ones shown above. For the income figure for your household size, see DCF's Appendix A-9.1 financial standards; the monthly figures Medicare.gov shows for these programs are a little higher because they build in a standard income disregard. Apply online through ACCESS Florida (Florida uses one application for all assistance programs) or call the DCF customer call center at (850) 300-4323 (Florida Relay 711). Check your numbers with the savings programs screener, and read Medicare Savings Programs in Florida.
What changed from 2025 to 2026?
| Amount | 2025 | 2026 | Change |
|---|---|---|---|
| Part B standard premium (monthly) | $185 | $202.90 | +$17.90 |
| Part B deductible | $257 | $283 | +$26 |
| Part A deductible | $1,676 | $1,736 | +$60 |
| Part D out-of-pocket cap | $2,000 | $2,100 | +$100 |
| First IRMAA threshold, single | $106,000 | $109,000 | +$3,000 |
| First IRMAA threshold, married filing jointly | $212,000 | $218,000 | +$6,000 |
CMS announces the next year's Part A and Part B amounts each fall. What CMS has already published for 2027 (Part D, Medicare Advantage limits, Medigap amounts, Extra Help copays) is on Medicare costs in 2027.
Do costs differ by Florida county?
Original Medicare costs the same in all 67 counties. Your plan choices don't: for 2027, CMS lists 52 Medicare Advantage plans open to everyone in Hillsborough County but 7 in Monroe County, and 11 standalone Part D plans statewide (Florida is its own Part D region). Each plan sets its own premium, deductible and copays. Every county still has regular Medicare Advantage plans in 2027, but some plans are ending, and at least 302,773 Floridians must choose new coverage; see Florida plans ending in 2027 and your county on the county list.
Where can Floridians get help paying Medicare costs?
Medicare Savings Programs
QMB, SLMB and QI1 pay the Part B premium, and QMB also pays Part A premiums, deductibles and coinsurance. Apply with DCF through ACCESS Florida. Learn more.
Extra Help
Lowers Part D premiums, deductibles and copays, and comes automatically with a Medicare Savings Program, full Florida Medicaid or SSI. Others apply through Social Security. Extra Help in Florida.
Full Florida Medicaid
Florida hasn't expanded Medicaid, and its aged and disabled program (MEDS-AD) doesn't cover people with Medicare unless they're in a nursing home, hospice or home and community-based services. Full dual eligibles enroll in a Medicaid managed care plan. Florida Medicaid and Medicare.
A licensed insurance agent
To see how plans from the companies they work with handle these costs, at no cost to you, you can request a call from a licensed insurance agent.
To compare coverage, see plans for your ZIP code.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- Medicare.gov — Medicare costs
- Medicare.gov — Pay Part A & Part B premiums (Medicare Easy Pay, premium bills)
- Social Security — Premiums: rules for higher-income beneficiaries
- Social Security POMS HI 01101.010 — Modified adjusted gross income and the tax year used for IRMAA
- eCFR — 20 CFR Part 418, Subpart B (Part B income-related monthly adjustment)
- Florida Constitution — Article VII, Section 5 (estate, inheritance and income taxes)
- Florida Statutes s. 121.091 — FRS benefits, including DROP payment options
- Florida Statutes s. 112.363 — Retiree Health Insurance Subsidy
- Florida Department of Management Services, MyBenefits — Retiree FAQs (State Group Insurance and Medicare Part B)
- Congressional Research Service — Social Security Coverage of State and Local Government Employees (R46961), Table 1
- Social Security — Mandatory Medicare coverage for state and local government employees
- Florida Statutes s. 627.410 — Filing and approval of forms and rates (attained-age rating ban)
- Florida Statutes s. 627.6741 — Medicare supplement policy issuance (open enrollment and 2-month group window)
- Florida Office of Insurance Regulation — CHOICES rate comparison search
- CMS — CY2026 resource and cost-sharing limits for the Low-Income Subsidy
- Medicare.gov — Medicare Savings Programs
- Florida DCF — ESS Program Policy Manual, Chapter 2000 (QMB, SLMB and QI1 coverage groups)
- Florida DCF — Appendix A-9.1, MSP and LIS financial standards, effective April 2026 (PDF)
- Florida DCF — Public assistance and ACCESS Florida
- CMS — Medicare Monthly Enrollment (Florida)
- CMS — CY2027 Medicare Advantage and Part D Landscape files (Florida plan counts)
Every question in this guide
- If I never worked in the U.S., can I buy Medicare Part A in Florida?
- Do I have to pay a premium for Medicare Part A?
- Will selling my home up north before moving to Florida raise my Medicare premiums?
- How do I lower my IRMAA after I retire?
- How much does Medicare cost per month in Florida?
- What is IRMAA and will I have to pay it?
Frequently asked questions
Does Social Security take the Part B premium out of my check?
Usually, yes. If you get Social Security or Railroad Retirement benefits, the Part B premium is normally deducted from your monthly payment. If you don't get those benefits yet, Medicare mails you a premium bill.
How do I pay my Medicare premium if I don't get Social Security?
Medicare sends you a bill, every 3 months if you have only Part B and every month if you pay a Part A premium or a Part D IRMAA. You can pay online through your Medicare account, sign up for Medicare Easy Pay to have it taken from your bank account each month, use your bank's bill pay, or mail a payment.
Does Original Medicare have an out-of-pocket maximum?
No. Original Medicare has no yearly out-of-pocket limit for Part A and Part B. Medicare Advantage plans must have one, up to $9,250 for in-network services in 2026, and Part D has its own $2,100 cap. Many people with Original Medicare add a Medigap policy to limit their costs.
Do Medicare costs change from one Florida county to another?
Not for Original Medicare. The Part A and Part B premiums, deductibles and coinsurance are federal and the same in Miami-Dade, Monroe, Sumter or Escambia. What changes by county is your choice of Medicare Advantage plans, and each plan sets its own premium and copays.
How much did Medicare go up from 2025 to 2026?
The standard Part B premium rose from $185 to $202.90 a month, the Part B deductible from $257 to $283, the Part A deductible from $1,676 to $1,736, and the Part D out-of-pocket cap from $2,000 to $2,100.
Medicare in your Florida county
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