Understanding Medicare in 2026 — Parts A, B, C, D
Medicare is federal health insurance for adults 65+ and younger people with qualifying disabilities. Part A covers hospital insurance, Part B covers medical insurance, Part C (Medicare Advantage) bundles A+B+D, and Part D covers prescription drugs.
Most people pay $0 for Part A if they worked 40+ quarters. Part B has a monthly premium ($185/month in 2026). Medicare Savings Programs can pay your Part B premium and more — apply even if you think your income is too high.
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Medicare Parts Guide
A, B, C, D
What each part covers
Plain-English explanation of what Medicare Parts A, B, C, and D cover and what you pay.
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Medicare Savings Programs
$0/mo Part B
For qualifying enrollees
Over 2 million eligible people miss out. See if you qualify to have your Part B premium paid.
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2026 Medicare Coverage — What Each Part Covers
2026 Medicare Coverage — What Each Part Covers
Medicare Parts A, B, C, D at a glance
| Part | What It Covers | 2026 Monthly Premium | Deductible |
|---|---|---|---|
| Part A | Hospital, skilled nursing, hospice | $0 (if 40+ work quarters) | $1,676/benefit period |
| Part B | Doctor visits, outpatient, preventive | $185/month (most) | $257/year |
| Part C | Medicare Advantage (A+B+D bundled) | $0–$200+ (varies by plan) | Varies |
| Part D | Prescription drugs | ~$40/month average | $590/year |
| Medigap | Supplements A+B gaps | $100–$400+/month | None |
Medicare Savings Programs can pay your Part B premium ($185/mo). Over 2 million eligible people aren't enrolled.
How to Enroll in Medicare and Reduce Your Costs
1
Enroll During Your Initial Enrollment Period
Your IEP is a 7-month window starting 3 months before your 65th birthday. Late enrollment means permanent penalty.
Full Enrollment Guide →
2
Choose Original Medicare or Medicare Advantage
Original Medicare works with any participating provider. Medicare Advantage uses private insurer networks.
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3
Apply for Medicare Savings Programs
MSPs pay your Part B premium and reduce other costs. Apply through your state Medicaid office — free.
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4
Apply for Extra Help for Drug Costs
Extra Help pays nearly all Part D drug costs. Apply at SSA.gov or through state Medicaid.
Apply for Extra Help →
Not Sure What You Qualify For?
Take the free Benefits Match Quiz — see Medicare Savings Programs, SNAP, and different programs you may qualify for.
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Advantage
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