联邦医疗保险2026年费率：B部分标准月保费202.90美元、年自付额283美元
美国医疗保险与医疗补助服务中心（CMS）公布的2026年联邦医疗保险（Medicare）A部分与B部分费率显示，B部分标准月保费为202.90美元，比2025年的185.00美元增加17.90美元；B部分年自付额为283美元，比2025年的257美元增加26美元。B部分覆盖医生服务、门诊服务、部分居家健康服务与耐用医疗设备等。
A部分覆盖住院、专业护理机构、临终关怀、住院康复与部分居家健康服务。约99%的受益人因有至少40个季度的医保覆盖工作记录而无需缴A部分保费。2026年A部分住院自付额为1736美元，比2025年的1676美元增加60美元，覆盖一个福利期内前60天的住院费用分担。
住院时间更长时费用分担另计：每个福利期第61至90天每天434美元，终身储备日每天868美元；在专业护理机构接受延续护理的，第21至100天每天217美元。这三项2025年分别为419美元、838美元与209.50美元。
工作季度不足的人可以买入A部分：有至少30个季度覆盖记录（或配偶有此记录）的人按减额月保费311美元缴纳，比2025年增加26美元；不足30个季度的人全额月保费为565美元，增加47美元。肾移植36个月后全额医保结束、只续保免疫抑制药物B部分覆盖的人，2026年标准月保费为121.60美元。
高收入受益人还要缴与收入挂钩的月度调整额（IRMAA），约影响8%的B部分参保人。以个人报税收入超过10.9万美元、夫妇联合报税超过21.8万美元的第一档为例，B部分每月加收81.20美元、总保费284.10美元，D部分每月另加14.50美元。个人收入以税务记录为准，具体档位可对照CMS公布的完整费率表。
（来源：美国医疗保险与医疗补助服务中心）
Medicare Costs for 2026: Part B Standard Premium Is $202.90 a Month, Deductible $283
The standard monthly premium for Medicare Part B in 2026 is $202.90, an increase of $17.90 from $185.00 in 2025, and the annual Part B deductible is $283, up $26 from $257, according to the Centers for Medicare & Medicaid Services (CMS). Part B covers physicians' services, outpatient hospital services, certain home health services and durable medical equipment.
Part A covers inpatient hospital, skilled nursing facility, hospice, inpatient rehabilitation and some home health services. About 99 percent of beneficiaries pay no Part A premium because they have at least 40 quarters of Medicare-covered employment. The Part A inpatient hospital deductible for 2026 is $1,736, up $60 from $1,676 in 2025, covering a beneficiary's share of costs for the first 60 days of covered inpatient care in a benefit period.
Longer stays cost more. Beneficiaries pay $434 a day for the 61st through 90th day of hospitalization, $868 a day for lifetime reserve days, and $217 a day for skilled nursing facility care on days 21 through 100. The 2025 figures were $419, $838 and $209.50.
People with fewer quarters of coverage can buy into Part A. Those with at least 30 quarters, or a spouse with at least 30 quarters, pay a reduced monthly premium of $311 in 2026, up $26. Those with fewer than 30 quarters pay the full premium of $565 a month, up $47. For people continuing Part B coverage of immunosuppressive drugs only after full coverage ends 36 months after a kidney transplant, the standard premium is $121.60.
Higher-income beneficiaries also pay income-related monthly adjustment amounts (IRMAA), which affect about 8 percent of Part B enrollees. In the first tier, individual income above $109,000 or joint income above $218,000, the Part B adjustment is $81.20 a month for a total premium of $284.10, and the Part D adjustment is $14.50 a month. CMS publishes the full tier table with its 2026 fact sheet.
(Source: Centers for Medicare & Medicaid Services)
来源：美国医疗保险与医疗补助服务中心
发布：GSM·美国（发布链接）
图片来源：图片来源：Wikimedia Commons「New US Medicare Card Sample 2018」（Medicare.gov，公共领域），图中为联邦医疗保险卡样张 Image: Wikimedia Commons, "New US Medicare Card Sample 2018" (Medicare.gov, public domain), showing a sample Medicare card
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