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How are Medicare benefits changing for 2026?
Learn how premiums, out-of-pocket costs and income-related surcharges are changing for 2026 Medicare coverage.
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What is the income-related monthly adjusted amount (IRMAA)?
For 2026, Medicare beneficiaries who earn over $109,000 a year and who are enrolled in Medicare Part B and/or Medicare Part D – pay the income-related monthly adjusted amount (IRMAA), which is a surcharge added to the Part B and Part D premiums.

Josh Schultz

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Josh Schultz has a strong background in Medicare and the Affordable Care Act. He managed a Medicare ombudsman contract at the Medicare Rights Center in New York City, and represented clients in extensive Medicare claims and appeals.

In addition to advocacy work, Josh helped implement federal and state health insurance exchanges at the technology firm hCentive. He also has held consulting roles, including as an associate at Sachs Policy Group, where he worked with insurer, hospital and technology clients on Medicare and Medicaid issues.