How much will I have to pay for Medicare when I turn 65?

Most people pay $0 for Medicare Part A when they turn 65, as long as you or your spouse paid Medicare taxes for at least 10 years while working. Part B is where the monthly cost comes in. In 2026, the standard Part B premium is $202.90 per month, with a $283 annual deductible before Medicare starts paying its share. If you need a hospital stay, the Part A deductible is $1,736 per benefit period. After that, you typically pay coinsurance for covered services. Original Medicare has no yearly out-of-pocket limit, so many people add a Medigap policy or a Medicare Advantage plan for protection. Want help estimating your real costs? Call me at 855-559-1700 or visit medicareyourself.com.