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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.

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.