What is home health care?

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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 Medicare? History of Medicare Medicare and the ACA

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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.

By shopping with third-party insurance agencies, you may be contacted by a licensed insurance agent from an independent agency that is not connected with or endorsed by the federal Medicare program.

These agents/agencies may not offer every plan available in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all options available.

home and community based services (HCBS)

Home- and community-based services (HCBS) include a variety of medical and social services provided to individuals with functional or cognitive limitations. People who receive HCBS are able to continue living in the community – instead of entering a nursing home or another institutional setting. HCBS programs serve the needs of distinct groups of individuals, including people with physical disabilities, intellectual and developmental disabilities (IDD), and mental illnesses.

home health care