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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.
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Medicare provides broad coverage but doesn't cover everything. Original Medicare, for example, does not cover routine dental care, dentures, routine eye care, corrective lenses, dentures, hearing aids, or long-term nursing home care.

14 Medicare out-of-pocket costs you should anticipate photo

14 Medicare out-of-pocket costs you should anticipate

December 19, 2025 – Medicare provides broad coverage but doesn't cover everything. Original Medicare, for example, does not cover routine dental care,… Read more

Eight ways to help minimize your Medicare out-of-pocket costs photo

Eight ways to help minimize your Medicare out-of-pocket costs

December 2, 2025 – As a Medicare enrollee, you'll face a range of out-of-pocket costs. When you know what to look for, you can find ways to minimize these… Read more

Four ways to avoid income-related Medicare surcharges photo

Four ways to avoid income-related Medicare surcharges

April 4, 2025 – Some Medicare enrollees are able to avoid having to pay IRMAA – the income-related surcharge – through strategies that reduce their… Read more

Paying through the nose for prescription drugs photo

Paying through the nose for prescription drugs

August 8, 2015 – Americans pay far more for their prescription medications than citizens of any other country. In fact, we pay almost 40 percent more than… Read more

Ding. Dong. The ‘doc fix’ is dead. photo

Ding. Dong. The ‘doc fix’ is dead.

April 17, 2015 – The 'doc fix': a Band Aid approach that should have been abandoned years… Read more

ACA’s CLASS Act pushed over the fiscal cliff photo

ACA’s CLASS Act pushed over the fiscal cliff

January 2, 2013 – CLASS was designed to complement private long-term care insurance, Medicare, Medicaid, and public disability programs. For Medicare… Read more