How Much Is Medicare in 2027? Part A & B Costs (San Antonio, TX)

TL;DR

• CMS has not yet announced official 2027 Medicare premiums and deductibles. That announcement typically lands in late October or early November, based on the pattern of prior years.
• The confirmed, current numbers are 2026’s: Part B standard premium is $202.90/month, Part B deductible is $283/year, and the Part A inpatient hospital deductible is $1,736 (CMS, released November 14, 2025).
• The 2027 Part B premium and deductible are projected to rise from 2026’s levels, per the 2026 Medicare Trustees Report, but we could not confirm a specific dollar projection against the Trustees Report itself, so none is published here. We link the report directly below.
• In Bexar County, TX, 47 Medicare Advantage plans (2026 plan year) from 10 carriers are on the market, and 32 of those 47 carry a $0 monthly premium. A $0 premium plan is not free to use. It still has its own deductibles, copays, and a yearly out-of-pocket maximum.
• Income-related adjustments (IRMAA) can raise what you pay for Part B well above the standard premium if your income is above $109,000 (individual) or $218,000 (married filing jointly).

If you’re trying to budget for Medicare next year, here’s the direct answer: for 2026, the confirmed Part B premium is $202.90 a month and the Part A hospital deductible is $1,736. For 2027, nothing is official yet. CMS traditionally announces the coming year’s Part A and Part B costs in the fall, usually in November, so the real 2027 numbers are still a few weeks out as of this writing. What follows is every number that is actually confirmed right now, what’s known about 2027’s direction, and what both mean if you live in or around San Antonio.

What Medicare actually costs right now, in 2026

These figures come directly from the CMS fact sheet released November 14, 2025, covering the 2026 plan year.

Cost	2025	2026
Part B standard monthly premium	$185.00	$202.90
Part B annual deductible	$257	$283
Part A inpatient hospital deductible	$1,676	$1,736
Part A daily coinsurance (days 61-90)	—	$434/day
Part A lifetime reserve day coinsurance	—	$868/day
Skilled nursing facility coinsurance (days 21-100)	—	$217/day
Part A premium, 30-39 work quarters	—	$311/month
Part A premium, fewer than 30 work quarters	—	$565/month

About 99% of people on Medicare do not pay a Part A premium at all, because they or a spouse paid Medicare payroll taxes for at least 40 quarters (10 years) of work. If that’s you, Part A’s “cost” is really just the deductible and coinsurance amounts above, and those only apply if you actually use inpatient hospital or skilled nursing care that year.

What’s known about 2027, and why nothing is official yet

Every year, the Medicare Trustees publish a report on the program’s finances, months before CMS makes next year’s premiums and deductibles official. The 2026 Medicare Trustees Report is the most recent one available, and it indicates the Part B premium and deductible are projected to rise again for 2027.

We looked for a specific 2027 dollar projection directly in the Trustees Report itself before publishing this article, and could not independently confirm one against the primary document. Several secondary sources cite a projected figure, but they don’t agree with each other closely enough for us to repeat a specific number here with confidence. Rather than publish a number we can’t stand behind, we’re linking you straight to the 2026 Medicare Trustees Report so you can see the primary source yourself, and we’ll add the real number here the moment CMS makes it official.

CMS’s own announcement, with the real confirmed 2027 figures, has landed in mid-to-late November in recent years. Until that happens, the only responsible answer is “higher than 2026, direction confirmed, exact amount not yet set.”

We’ll update this article with the confirmed 2027 figures and a link to CMS’s own announcement as soon as it’s released.

Medicare Part A costs, explained

Part A is hospital insurance. It covers inpatient hospital stays, skilled nursing facility care after a qualifying hospital stay, hospice care, and some home health care.

The premium. Most people pay nothing for Part A because of their work history. If you have fewer than 40 quarters of Medicare-covered work, you’d pay either $311/month or $565/month in 2026, depending on how many quarters you have.

The deductible. Unlike many types of insurance, the $1,736 Part A deductible in 2026 isn’t an annual figure. It applies per benefit period, which starts the day you’re admitted to a hospital and ends after you’ve been out of the hospital and any skilled nursing facility for 60 days in a row. It’s possible, though uncommon, to pay this deductible more than once in a year if you have multiple separate hospital stays.

Coinsurance. Once you’re past day 60 of a hospital stay in a benefit period, you start owing a daily coinsurance amount: $434/day for days 61 through 90, and $868/day if you need to use one of your 60 lifetime reserve days beyond that. For skilled nursing facility stays, days 1 through 20 are covered in full, then you owe $217/day for days 21 through 100.

Medicare Part B costs, explained

Part B is medical insurance. It covers doctor visits, outpatient care, durable medical equipment, many preventive services, and some home health care.

The premium. Unlike Part A, almost everyone pays a Part B premium. The 2026 standard amount is $202.90/month, and it’s typically deducted directly from a Social Security check. There’s also a separate, lower $121.60/month premium that applies only to a small group of beneficiaries who have Medicare because of End-Stage Renal Disease and need immunosuppressive drug coverage after a kidney transplant.

The deductible. You pay the first $283 of Medicare-covered services each year before Part B starts paying its share. After that, Part B generally covers 80% of the Medicare-approved amount for covered services, and you’re responsible for the remaining 20% with no out-of-pocket maximum under Original Medicare alone. That gap is exactly what Medicare Supplement (Medigap) plans are designed to help with.

IRMAA: when your income raises your Part B premium

If your income is above a certain threshold, you pay more than the standard Part B premium. This extra amount is called the Income-Related Monthly Adjustment Amount, or IRMAA, and CMS sets it using a two-year-old tax return (your 2026 premium is based on your 2024 income).

2026 IRMAA brackets, individual filers:

2024 income (individual)	Monthly Part B premium
$109,000 or less	$202.90 (standard)
$109,001 to $137,000	$284.10
$137,001 to $171,000	$405.80
$171,001 to $205,000	$527.50
$205,001 to $500,000	$649.20
$500,001 or more	$689.90

Married couples filing jointly have roughly double each of these income thresholds (the 2026 starting threshold is $218,000). If an income-related letter from the Social Security Administration catches you off guard, there is an appeals process for specific life-changing events, like retirement or a divorce, that lowered your income since that tax return was filed.

What this means if you’re in San Antonio or Bexar County

Plan availability and pricing for Original Medicare (Parts A and B) are the same no matter where in the country you live. Medicare Advantage is different: it’s priced and offered county by county.

For the 2026 plan year, Bexar County has 47 Medicare Advantage plans on the market, from 10 parent carriers, including UnitedHealthcare, Humana, Community First, Wellcare, Blue Cross Blue Shield of Texas, Devoted Health, Elevance Health, SCAN, Aetna, and Clover Health. Of those 47 plans, 32 carry a $0 monthly premium. The 2027 Medicare Advantage landscape for Bexar County isn’t published yet, so these figures describe 2026 only, not next year.

That matters next to everything above, because a $0-premium Medicare Advantage plan replaces your Part B premium obligation with the plan’s own cost structure instead, not with nothing. You’ll still have copays for doctor visits, a plan-specific out-of-pocket maximum, and (for many plans) a separate Part D drug deductible. Whether a $0-premium Advantage plan, a paid Medicare Supplement plan, or something else fits your situation depends on your doctors, your prescriptions, and your budget, which is exactly the kind of conversation worth having with a licensed local agent before you enroll in anything.

If you want help walking through your specific options in Bexar County, see our San Antonio Medicare page or call us directly.

Frequently asked questions

Is the 2027 Medicare Part B premium official yet? No. As of this article, CMS has not announced the 2027 premiums or deductibles. The 2026 Medicare Trustees Report indicates the premium is projected to rise, but we could not confirm a specific dollar figure directly against the report, so we’re not repeating one. CMS typically announces the official figures in the fall.

Why did my Part B premium go up more than the standard amount? It’s likely IRMAA, the income-related adjustment. CMS bases your premium on your tax return from two years earlier, so a high-income year in 2024 affects your 2026 premium even if your income has since changed.

Do I have to pay the Part A deductible every year? No. The Part A deductible applies per benefit period, not per calendar year. If you aren’t hospitalized, you don’t owe it at all. If you have more than one separate hospital stay in a year with 60+ healthy days between them, it’s possible to owe it more than once.

Does a $0-premium Medicare Advantage plan mean Medicare is free? No. A $0 monthly premium only means you don’t pay a separate premium on top of Part B. You’ll still have plan-specific copays, coinsurance, and an annual out-of-pocket maximum, and most plans have their own Part D drug deductible.

Where can I find the official 2027 numbers once CMS announces them? CMS publishes the figures as a fact sheet at cms.gov/newsroom, usually alongside a Social Security Administration announcement about the Part B premium and Social Security cost-of-living adjustment for the same year. We’ll update this article at that point too.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This article is for general information only and is not medical, insurance, tax, or legal advice. Confirm current details at Medicare.gov or by calling 1-800-MEDICARE, and talk with a licensed agent before you enroll in or change any plan.

Sources

• CMS: 2026 Medicare Parts A & B Premiums and Deductibles (released November 14, 2025)
• Medicare.gov: 2026 Medicare Costs (PDF)
• 2026 Medicare Trustees Report (2027 status; no specific dollar projection independently confirmed as of this article)
• Bexar County, TX Medicare Advantage/Part D plan data, CMS contract year 2026 landscape file