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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.

Medigap open enrollment period

What is the Medigap open enrollment period?

medigap open enrollment period infographic

What is the Medigap open enrollment period?

You are eligible to enroll in a Medigap policy – without the possibility of being denied coverage – during a six-month window that begins the first month that you’re at least 65 years old and are also enrolled in Medicare Part B.

If you apply for coverage after that six-month window has ended, insurers in most states have the right to reject your application or charge you more based on your medical history.

Read more about Medicare enrollment deadlines.