2026 Medicare Costs in Nevada
Every number that applies to your Medicare in 2026, in one place — plus the parts that are actually decided here in Nevada.
Most Medicare costs are federal. They are the same in Elko as they are in Atlanta, and they change every January. What differs by state — and this is where Nevada gets interesting — is what you pay on top of them: your Medicare Advantage or Medigap premium, and whether you have a right to change it.
Here are the 2026 federal figures first, then the Nevada-specific part.
2026 Part A, Part B and Part D
Source: CMS 2026 Medicare Parts A & B Premiums and Deductibles, released November 14, 2025, and the 2026 Part D parameters.
| Item | 2026 amount |
|---|---|
| Part B standard premium | $202.90 / month |
| Part B annual deductible | $283 |
| Part A hospital deductible | $1,736 per benefit period |
| Part A coinsurance, days 61–90 | $434 / day |
| Part A coinsurance, lifetime reserve days | $868 / day |
| Skilled nursing coinsurance, days 21–100 | $217 / day |
| Part D maximum deductible | $615 |
| Part D out-of-pocket cap | $2,100 / year |
| Part D national base beneficiary premium | $38.99 (used to calculate penalties) |
Most people pay no premium for Part A because they or a spouse worked 40 quarters. The Part D cap is the important one this year: once your out-of-pocket drug spending reaches $2,100, you pay $0 for covered drugs for the rest of the year.
2026 IRMAA tiers
Based on your 2024 tax return. Part D amounts are added to whatever your drug plan charges.
| Single filer (2024 MAGI) | Married filing jointly | Part B total / month | Part D surcharge / month |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 |
| $109,001–$137,000 | $218,001–$274,000 | $284.10 | +$14.50 |
| $137,001–$171,000 | $274,001–$342,000 | $405.80 | +$37.50 |
| $171,001–$205,000 | $342,001–$410,000 | $527.50 | +$60.40 |
| $205,001–$499,999 | $410,001–$749,999 | $649.20 | +$83.30 |
| $500,000 or more | $750,000 or more | $689.90 | +$91.00 |
A one-time income event — selling a house or a business, a Roth conversion — can push you into a tier for a single year. If your income dropped because of a life-changing event such as retirement or the death of a spouse, you can appeal using Form SSA-44. More on IRMAA and how to appeal it →
What is actually decided in Nevada
The table above is the same nationwide. Three things are not:
- Your Medicare Advantage premium. Nevada has a large number of $0-premium plans, and for 2026 the number of options in the rural counties has grown. What is available is defined county by county.
- Your Medigap premium. These are set by carrier and by rating area, and they are re-rated from year to year. Two people with identical Plan G coverage can pay very different amounts.
- Your right to change Medigap plans. Nevada is one of a small number of states with a birthday rule — an annual window to switch Medigap policies with no medical underwriting. Most states have nothing like it.
That last point is the one people miss. If your Medigap premium jumped this year, you may have a legal right to move without answering a single health question — but only inside a 60-day window tied to your birthday.
If these numbers are a stretch
Nevada runs Medicare Savings Programs that can pay your Part B premium outright, and in some cases your deductibles and coinsurance as well. If you qualify as a QMB, providers generally may not bill you for Medicare cost-sharing at all. Extra Help does the same for prescription costs.
Income and resource limits change annually, so rather than print figures that go stale we will check your current numbers with you. More on Nevada Medicaid and the Medicare Savings Programs →
Questions we get
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Written and reviewed by Darin Weidauer — licensed Nevada insurance agent (NPN 18580338), Gerontologist (USC Davis School of Gerontology), MBA, Registered Social Security Analyst, and 22-year U.S. Air Force veteran. Independent and appointed with 10 Nevada carriers.Last reviewed September 2, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov or 1-800-MEDICARE.