Is my Medicare deductible supposed change from year to year?

Question

Alyssa Gonzales · Accepted Answer

Yep, your Medicare deductible can change each year! It's set by the government and usually goes up just a bit to keep up with inflation. I always keep an eye on it during Annual Enrollment Period which is October 15th to Dec 7th of each year.

Answered by Alyssa Gonzales on July 29, 2025

Broker Licensed in Tx, CO, IA & 9 other states

Answered by Alyssa Gonzales Medicare Insurance Agent

Gary Church · Answer

Yes! The Part B premium is subject to change each year. As for the Medicare Part B  deductible, it changes every year.

Mike Alexander · Answer

Yes every year the deductible changes along with your part b premiums and the cost of living adjustment

Mark Bilgere · Answer

So I have one of those questions that at first glance is kind of confusing, but then it really isn't that hard to understand. And this is it: Is my Medicare deductible supposed to change from year to year? Well, I don't know about whether it's supposed to change. I don't know if they wrote that into the laws, but it does change, and it does go up some years. It goes up a lot. Some years it doesn't go up quite as much. But it does change, and it does go up, and it will go up next year.

And how they determine it is built on a whole bunch of different things, and it's not really worth trying to figure out, because the fact of the matter is it's going to go up. So this year, in 2026, your deductible went up to $283. It's going to go up again next year. We don't know how much. We won't know how much till the end of the year. And then, actually, it's finalized right around January of next year. So is it supposed to? I don't know. Will it? Yes. Keep checking back for more answers.

Daniel Brechin · Answer

Yes, the plans all have changes based on Federal Medicare rules. If you have questions each year I will be available to assist and make sure the plan you have chosen to meet with you annually to review the next year plans changes. Also, you receive changes on the plan you have chosen will let you know ahead of the 10/15 Annual enrollment change

Answered by Daniel Brechin on July 25, 2025

Agent Licensed in AL, FL, KY, MS & TN

Answered by Daniel Brechin Medicare Insurance Agent

William Lawler · Answer

I am not sure what you mean by Medicare deductible. but, yes, deductible usually change from year to year. This is why it is very important to do a review with your Medicare agent every year.
Bill Lawler 
Contact me.

Ann Sanfelippo · Answer

Yes. Medicare deductibles can change each year because they are set annually by the federal government. For example, the Centers for Medicare & Medicaid Services adjusts Part A and Part B deductibles based on healthcare cost trends. Part D deductibles may also change yearly, depending on federal limits and your specific plan design. Medicare Advantage and supplement plans can also adjust deductibles or cost-sharing each calendar year.

Answered by Ann Sanfelippo on March 5, 2026

Broker Licensed in FL, AL, AZ & 14 other states

Answered by Ann Sanfelippo Medicare Insurance Agent

Pamela Masters · Answer

Yes, each year towards the end of the year,  Medicare sets the deductible price for the next year. You can Google it or go to Medicare.gov

Shelly Hefley · Answer

Just like the Medicare premium, the Medicare deductible changes every year. This only affects people with Supplement plans as the Medicare advantage plans. Do not apply the Medicare part B deductible.

Lauren Fodde · Answer

Yes — Medicare deductibles can change each year. The government reviews and updates costs like deductibles, premiums, and copays annually, so it’s normal for them to go up a little over time. That’s why it’s important to review your coverage each year to make sure your plan still works well for your budget and health needs.

Answered by Lauren Fodde on September 24, 2025

Broker Licensed in MO & FL

Answered by Lauren Fodde Medicare Insurance Agent

Jacqueline Proffit · Answer

Yes, your Medicare deductible is subject to change from year to year.  
The Centers for Medicare & Medicaid Services (CMS) typically announce the new deductible amounts for the upcoming year in the fall, which go into effect on January 1st.

Richard Moreno · Answer

Medicare Advantage plans could change every year. Insurance companies may change copayments if medical cost continue to rise.

Marsha Reiniers · Answer

Yes, Typically, Medicare’s deductible resets every calendar year on January 1st. Each year, the Medicare Part B premium, deductible, and coinsurance rates are determined according to provisions of the Social Security Act. The government determines if Medicare deductibles will either rise or stay the same annually. Look for new deductibles for 2026 to be announced towards the end of October or early November of 2025.

Answered by Marsha Reiniers on September 8, 2025

Agent Licensed in FL, GA, MI & NC, PA, SC & VA

Answered by Marsha Reiniers Medicare Insurance Agent

Joel Hill · Answer

Yes, Medicare deductibles are not fixed for life. They are reviewed and often adjusted annually either by Medicare for part A&B or your private plan (part C&D).

Annelies Van Schie · Answer

Yes, you should take into account that your Medicare deductible changes every year, just like the cost of groceries changes all the time. Often times though, the deductible does not change too much annually.

Answered by Annelies Van Schie on September 2, 2025

Broker Licensed in TX, AZ, FL, NC, OK & SD

Answered by Annelies Van Schie Medicare Insurance Agent

Tom Kowalczyk · Answer

Medicare updates the Medicare Part B Premiums each year. The premiums increase to adjust for inflation and other costs.  Some years premiums remain stable others they go up.

David Treadway · Answer

Yes, the Medicare deductibles will change each and every year. Currently (2025) the part A deductible is $1676 and the part B deductible is $257. Next year the projected deductibles are $1716 for part A and $288 for part B. Almost every metric will change from year to year including premiums and prescription drug costs as well. I hope this helps and I wish you well.

Answered by David Treadway on September 15, 2025

Broker Licensed in OH, FL, IN & KY, MI, SC & VA

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Doug Carlson · Answer

Yes your Medicare deductible changes from year to year.  It is not a large change but will adjust to keep up with inflation every January 1.

Rodney Turner · Answer

Yes — your Medicare deductible can change from year to year, and it usually does. The amounts are set annually by the Centers for Medicare & Medicaid Services (CMS) and often increase slightly to keep up with inflation and rising healthcare costs.

Here’s a quick breakdown:

Medicare Part A (Hospital Insurance)

Covers inpatient hospital stays, skilled nursing, hospice, etc.

The Part A deductible typically increases each year. For example:

In 2024, it was $1,632 per benefit period.

For 2025, CMS announced it will be $1,688 per benefit period.

This deductible applies per benefit period, not annually — meaning you may owe it more than once in a year if you have multiple hospital stays separated by more than 60 days.

Medicare Part B (Medical Insurance)

Covers doctor visits, outpatient care, and other medical services.

The Part B deductible also adjusts yearly:

In 2024, it was $240.

For 2025, it’s set to rise to $257.

You pay this once per year, then Medicare typically covers 80% of approved services after that.

Medicare Advantage (Part C) and Part D (Prescription Drug Plans)

These are private plans, so their deductibles and copayments can change each year as well.

Insurers are required to notify you of changes in their Annual Notice of Change (ANOC) each fall.

Brianna Henward · Answer

Yes, the deductible can absolutely change year to year. For example, the Part B deductible went from $240 to $257 in 2025. Your advantage plans can also change year to year, so it's always good to check in each fall.

Answered by Brianna Henward on September 26, 2025

Agent Licensed in ME & NH

Answered by Brianna Henward Medicare Insurance Agent

Monica McCauley · Answer

yes , medicare deductible changes each year. the centers for medicare designate each year what the deductible will be each year.

Joe Francar · Answer

Unfortunately, Medicare Part A, B and D deductibles do change every year.  The current deductibles are, Part A $1,736 per benefit period, Part B $283 annually and Part B can have a deductible of $615

Steven Bleicher · Answer

Due to the global economy, deductibles will always escalate. Naturally, I presume that you are referring to an Advantage plan’s annual deductible at about $3K. The Part B one-time/yr deductible at $257.00 this year will also be in this category.

Answered by Steven Bleicher on August 1, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

That is good question overall. Your Original Medicare Part A & Part B deductibles will generally change each year. Generally they increase each year. In the past 2 decades they both haven't increased each year. In the Fall of each year Congress sets the specifics of some of Medicare's parameters. Thank you.

Answered by Andrew Zurbuch, MBA on May 26, 2026

Broker Licensed in IN, FL, KY, MO, OH & TN

Answered by Andrew Zurbuch, MBA Medicare Insurance Agent

Jim Tretola · Answer

Well, I don't think asking "supposed" to change is accurate. However it is a good bet that is will every year, and it will go up somewhat. It is a good idea to know what it is.

Ron Cronwell · Answer

The Part A and Part B annual deductibles are set by CMS. So, they may change each year. CMS annouces what the adjustments are around mid year, for the next year.

Steven A James, MBA · Answer

The Medicare deductibles can change annually.  For 2026, the Part B deductible increases from $257 to $288.  The Part D prescription drug deductible also increased from $590 to $615.

The Part B deductible can be mitigated as for most Medicare Advantage plans this isn't required.  However, the Part D deductible applies to MAPD as well as individual standalone drug plans but at varying rates.

Heather Allen · Answer

Yes, The deductible is set by congress each year and is subject to yearly changes. Both the Part B premium and deductible should be review each year.

Diane Poythress · Answer

Medicare deductibles are not fixed and can increase each year. 

The Centers for Medicare & Medicaid Services (CMS) determines the deductible amounts for Parts A and B. 

If you have a Medicare Advantage plan (Part C) or Medicare Part D plan (prescription drug coverage), your deductible and other costs can also change each year, as they are set by the private insurance companies offering those plans.

Sheila Dow · Answer

Medicare decides what the Annual Deductible will each year. Historically the deductible has increased slightly each year between $10-20.  Everyone is subject to the same Deductible.

Fred Manas · Answer

Yes, your Medicare deductibles are subject to change from year to year. 
More specifically:
The Medicare Part A deductible, which applies per benefit period (defined as the start of an inpatient stay until 60 consecutive days of not receiving inpatient care), can change annually.
The Medicare Part B deductible is an annual deductible, meaning you pay it once each year, and the amount is subject to annual adjustments.
Medicare Part D deductibles can vary depending on the specific plan chosen, and some plans may have no deductible at all. However, the maximum allowed deductible for Part D can also change annually. 
In short, it's wise to stay informed about the latest Medicare deductible amounts and any other cost changes, since these are typically announced in the fall for the upcoming year, according to Medicare Interactive.

Vachik Chakhbazian · Answer

Yes, Medicare deductibles can and often do change from year to year. Both Medicare Part A and Part B deductibles are subject to annual adjustments. These changes are usually announced in the fall for the upcoming year.

Answered by Vachik Chakhbazian on July 27, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Meghan Blankenship · Answer

Yes, Medicare deductibles usually change from year to year. CMS updates deductibles, coinsurance, and premium amounts annually to keep up with healthcare cost changes. For example, the Part A deductible increased from 2025 to 2026. So its normal to see your deductible go up a bit each year.

Answered by Meghan Blankenship on January 24, 2026

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Jennifer Kalbach · Answer

If you are referring to Part B deductible, it typically changes from year to year and mostly as an increase, the Centers for Medicaid and Medicare services decides this. If you are referring to Part C, Medicare Advantage deductibles, those vary from plan to plan and some are lower than others, I would suggest to talk to a local health licensed agent on this.

Answered by Jennifer Kalbach on May 4, 2026

Agent Licensed in KY

Answered by Jennifer Kalbach Medicare Insurance Agent

Jaye Maxx Alexander II · Answer

The Medicare deductible will change each and every year as long as you are on the Medicare system . . There are many ways that you can work to protect yourself against the rising cost .

Mel Stevens · Answer

Medicare max out of pocket, deductibles and co-payments can always change from year to year. One thing to watch out for in 2026 is prescription medication deductibles. Many plans have added deductibles from $200 to north of $600 for name brand or tier 3-5 medication classifications.

Answered by Mel Stevens on December 20, 2025

Broker Licensed in AZ

Answered by Mel Stevens Medicare Insurance Agent

Sam Silva · Answer

Yes, your Medicare deductible is supposed to change from year to year. The federal government reviews and may adjust Medicare costs annually, including deductibles, premiums, and coinsurance. These adjustments are usually based on inflation, healthcare costs, and other related factors.

Answered by Sam Silva on August 4, 2025

Broker Licensed in FL, GA, NJ & 7 other states

Answered by Sam Silva Medicare Insurance Agent

Jeffrey Sodikoff · Answer

YES IT WILL GO UP EVERY YEAR

Charlie Fitzgerald · Answer

“”Supposed” to change?  The likelihood that it doesn’t change from year to year is very low. Cost to provide care is going up every year and so plans change to align with the higher costs.

Patricia Graham · Answer

Unfortunately in my 16 years I've seen it rise every year.  Good news I have plans that can help you with those rising deductible cost.

Raid Alemam · Answer

It depends on the plan that’s why it’s recommended every year to review plan benefits and see what changes it’s up to the plan that’s available in your area. Also your plan might not be offered

Answered by Raid Alemam on October 24, 2025

Broker Licensed in TX, CA, CO & 7 other states

Answered by Raid Alemam Medicare Insurance Agent

Tonya White · Answer

Medicare sets the deductible and in many years it does change, that amount is determined by CMS, the Center for Medicare & Medicaid Services. You will typically see an increase in the deductible for Part A, Part B, and Part D of Medicare.

Answered by Tonya White on October 26, 2025

Agent Licensed in CA, MA, MI & 5 other states

Answered by Tonya White Medicare Insurance Agent

Stanley Wittenberg · Answer

It usually does depending on what CMS and the Medicare offices look at for costs.  Never seems to go down.

Brenda Skasko · Answer

Changes in Medicare happen every year. We don’t like change, but change is inevitable regardless. Working with a licensed agent/broker to keep you updated in regards to these changes is vital in helping you prepare for the year ahead.

Answered by Brenda Skasko on November 16, 2025

Broker Licensed in DE, MD & PA

Answered by Brenda Skasko Medicare Insurance Agent

Mark Davisson · Answer

It will increase every year as will the cost of part b.  This is determined by the federal government and there is no work around.

Jessie Rhodes · Answer

So with the Original Medicare the part B deductible doesn't change yearly but when it comes to the Medicare Advantage plans they may change on a year to year basis but generally those plans do not have a Medical deductible.

Answered by Jessie Rhodes on July 26, 2025

Agent Licensed in TX, AL, AR & 24 other states

Answered by Jessie Rhodes Medicare Insurance Agent

Akia Alexis · Answer

Yes it does. Please be sure to always refer to the Medicare and You book for any questions or clarification. Also, be sure when you're speaking with an agent, all costs that's your responsibility is discussed. The deductible amount is set annually by CMS (Centers for Medicare & Medicaid).

Answered by Akia Alexis on August 30, 2025

Broker Licensed in GA, FL & SC

Answered by Akia Alexis Medicare Insurance Agent

Kristin Ingram · Answer

Yes, Medicare deductibles for Parts A, B, and D can change annually, typically announced in the fall for the upcoming new year change.

Jason Meadows · Answer

Yes, Medicare deductibles can change from year to year depending on the type of coverage you have. Original Medicare deductibles are set by the government and usually increase slightly, while Medicare Advantage and Part D plans may change based on the plan you choose.

Answered by Jason Meadows on March 27, 2026

Agent Licensed in TN, AL, CA & 13 other states

Answered by Jason Meadows Medicare Insurance Agent

Michael Ross · Answer

For the upcoming new year of January 1, 2026 you're Medicare deductible will be increasing. This was the first increase in quite a while. It does not change every year but this year there is an increase.

Answered by Michael Ross on December 12, 2025

Agent Licensed in NY, CT, FL & 5 other states

Answered by Michael Ross Medicare Insurance Agent

Jason York · Answer

Cms sets the original medicare medical deductible each year. However most plans do not have a medical deductible if you were to choose a third party company.

Anita Hawkins · Answer

There are several different deductibles associated with Medicare; the Medicare Part A deductible, the Medicare Part B deductible, the Medicare Part D deductible, and your Medicare Advantage plan or Medicare supplement may have deductibles as well. All of these deductibles are subject to changes from year to year.

Answered by Anita Hawkins on August 10, 2025

Agent Licensed in NC

Answered by Anita Hawkins Medicare Insurance Agent

Barbara Bolden · Answer

It could! As companies evaluate costs, each year they may choose to increase or decrease each plan's deductibles.

Joseph &quot;Joey&quot; Gutierrez · Answer

This is not a "yes" or "no" answer.  This is a wait and see.  Historically they have changed each year.

Joseph Timreck · Answer

Yes, the Medicare deductible does change from year to year. Part A & Part B both change every year.

Cyle Gillman · Answer

Medicare deductibles do change annually. If you are referencing Medicare Part A and Part B (Original Medicare) This is what those deductibles have looked like since 2020. 
2020 A $1,408 B  $198
2021  A $1,484 B $203
2022 A $1,556 B $233
2023 A  $1,600 B $226
2024 A $1,632 B  $240
2025 A $1,676 B $257

If you have a Medigap or Supplement plan one or both of these deductibles may be covered. 

If you have a Medicare Advantage plan, your deductible will be set by that carrier and can vary from plan to plan.

Jeannine Berry · Answer

Yes the Medicare deductible usually goes up a little every year.  It’s good to check with an agent every year so they can go over the changes and answer your questions.