Part B premium increase
The standard Part B premium rose from $185.00 in 2025 to $202.90 per month in 2026 — a $17.90 increase. The Part B annual deductible increased from $257 to $283. See the full 2026 cost breakdown.
Part D out-of-pocket cap: $2,100
The Inflation Reduction Act's prescription drug out-of-pocket cap increased from $2,000 in 2025 to $2,100 in 2026. Once you spend $2,100 on covered prescriptions, you pay nothing more for the rest of the year. This applies to all Part D and Medicare Advantage plans with drug coverage.
Part A hospital costs
The Part A inpatient hospital deductible increased to $1,736 per benefit period (up from $1,676). Daily coinsurance for days 61-90 is now $434/day.
IRMAA brackets updated
Income-related premium adjustments shifted with inflation. The first threshold moved from $106,000 to $109,000 for individual filers. See the complete IRMAA table.
Medicare Advantage in Colorado
Plan availability and benefits change every year. The 2026 MA out-of-pocket maximum is $9,250 for in-network services, though most plans set lower limits. Compare 2026 plans available at your ZIP code.
What Colorado beneficiaries should do
- Review your current plan during the Annual Enrollment Period (October 15 – December 7)
- Check if your medications are still covered under your plan's 2026 formulary
- Compare costs — premiums, deductibles, and copays all change yearly
- A licensed agent can help you compare every plan available in your county at no cost