Institutional-grade medical cost modeling. Solve for 2026 premiums, IRMAA surcharges, and deductible thresholds with actuarial precision.
Official 2026 Medicare Part B expense targets and coinsurance limits.
| Cost Component | Amount | Status |
|---|---|---|
| Std. Premium | $185.00 | Monthly |
| Annual Deductible | $257.00 | Yearly |
| Coinsurance | 20% | Standard |
| Prev. Services | $0.00 | Exempt |
| Filing Status | Income (MAGI) | Surcharge |
|---|---|---|
| Single | < $106k | $0.00 |
| Tier 1 | $106k - $133k | +$74.00 |
| Top Tier | > $500k | +$410.00 |
| Base Adjust. | 2 Yr Lookback | Fixed |
| Period | Timing | Outcome |
|---|---|---|
| Initial (IEP) | 7 Months | Standard |
| General (GEP) | Jan 1 - Mar 31 | Standard |
| Special (SEP) | Job Loss + 8mo | Pen.-Free |
| Late Penalty | 10% / 12mo | Lifetime |
Medicare Part B represents the foundational layer of outpatient medical coverage for U.S. seniors. In the 2026 healthcare ecosystem, the focus is on **Premium Indexing Accuracy**, **IRMAA Threshold Mapping**, and **Late Enrollment Penalty Avoidance**. Our S-Class engine analyzes the core coverage vectors: **Deductible Equilibrium**, **Coinsurance Friction**, and **Preventive Service Efficiency**.
Standard calculators often fail to account for the **Two-Year MAGI Lag**. Your 2026 premium is determined by your 2024 tax return. A single high-income event, such as a RSU vest or home sale, can trigger a $5,000+ increase in annual Medicare costs. Our Part B Audit Engine applies a **Premium Sensitivity Co-efficient**, identifying 'IRMAA Safety Zones' where tax-mitigation strategies today can secure lower medical costs in the 2026 cycle.
Expert guidance for navigating 2026 medical coverage and cost protocols.
Internal Resource Mapping
Verified Institutional Framework • 2026 Edition