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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.

Steve Anderson

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Steve Anderson is co-founder and editor of medicareresources.org, where he works with a talented team of health policy writers.

Anderson is a writer and editor with two decades of communications experience that includes previous lives in print journalism, corporate communications, and public affairs.

Since 2008, Anderson has also worked as editor and content manager at healthinsurance.org.