Medicare isn’t free – costs are rising in 2026. Part B premiums increased to $202.90 this year from $185 in 2025. Part A deductible rose from $1,676 to $1,736. Coinsurance for hospital stays also went up – from $419 to $434 after day 60 and $838 to $868 after 90 days.

To minimize out-of-pocket spending, consider getting a Medigap plan, review Medicare Advantage or Part D plans annually, use in-network providers, and take advantage of preventive care. Understand your coverage fully to lower costs and avoid hardships.

Read more at Yahoo Finance: 3 Reasons You Might Hate Being a Medicare Enrollee in 2026