Higher premiums and deductibles increase out-of-pocket costs for Medicare beneficiaries, especially with rising healthcare utilization, and generate additional revenue to support program costs. Higher costs often have a disproportionate impact on low-income individuals where these costs require a greater percentage of their income. Beneficiaries may adjust coverage choices or seek assistance programs to manage increased expenses.
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Department of Health and Human Services
A written policy statement issued by a government agency or executive official that provides guidance, clarification, or direction on implementing laws or policies. Memos do not have the force of law but can influence policy interpretation and enforcement.
Who It Impacts: Federal agencies, policymakers, and sometimes regulated industries. Memos can shape how agencies enforce laws, impacting businesses, healthcare providers, and other stakeholders.
Who Is Not Impacted: Memos do not create binding legal requirements for the general public, though they can influence enforcement priorities that indirectly affect individuals and organizations.
Date Enacted
November 19, 2025
Last Updated
December 18, 2025
Policy Type
Public Health
Healthcare Coverage
No items found.
Summary
This memo from the Centers of Medicare and Medicaid (CMS) sets 2026 Medicare Part B monthly actuarial rates, the standard monthly premium, and the annual deductible for beneficiaries. It also includes income-related monthly adjustment amounts (IRMAA) for higher-income enrollees, effective January 1, 2026.
Impact Analysis
Legal Challenges
N/A
Take Institutional Action
- Healthcare professionals can educate patients by offering materials about the cost changes.
- Community-based organizations and healthcare professionals can advocate to the Center for Medicare and Medicaid (CMS) for policies to protect low-income and vulnerable populations from premium and deductible increases.
Associated or Derivative Policies
Policy Prior to 2025
N/A
