Since 2011, we've helped more than 5 million visitors understand Medicare coverage.

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A PROPERTY OF HEALTHINSURANCE.ORG, LLC, A NON-GOVERNMENTAL ENTITY
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How are Medicare benefits changing for 2026?
Changes to 2025 Medicare coverage include a $2,000 cap on Part D out-of-pocket costs, small reductions in the average premium for Medicare Advantage and Part D plans, increases for Medicare Part B and Part A premiums and cost-sharing, and adjustments to income-related premium surcharges for Part B and Part D.
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What is the income-related monthly adjusted amount (IRMAA)?
For 2025, high-income beneficiaries – earning over $106,000 a year – pay an IRMAA surcharge that’s added to their Part B and Part D premiums and determined by income from their income tax returns two years prior.

Medicare eligibility and enrollment

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When it comes to Original Medicare, your enrollment could be as uncomplicated as opening your mail and putting your Medicare card in your wallet. But there’s usually more to it than that.

For some Americans – specifically, those who are already receiving Social Security or Railroad Retirement Board benefits before turning 65 – the government automatically enrolls you in both Medicare Part A and Medicare Part B at age 65. But millions of Americans who are drawing closer to aging into Medicare eligibility have a long list of choices to make and some important deadlines to note.

This Enrollment section answers many of the questions that should be top of mind for prospective Medicare beneficiaries. But we also look at changes you can make – and when you can make them – if you’re already enrolled in Medicare coverage. Among the topics we cover:

Still have questions about enrollment? We have an entire section of frequently asked Medicare questions devoted to the topic.