Complete reference of official 2026 Medicare premiums, deductibles, and cost-sharing amounts for Connecticut residents. Data sourced from Medicare.gov.
*Most people pay no premium
Deductible: $1,736/benefit period
Standard 2026 premium
Deductible: $283/year
Out-of-pocket cap: $2,000/year
Connecticut rates
Covers most Medicare gaps
What is a Benefit Period?
A benefit period begins when you’re admitted as an inpatient and ends when you’ve been out of the hospital or SNF for 60 consecutive days. The $1,736 deductible applies to each new benefit period.
Standard Costs
IRMAA Surcharges (Based on 2024 Income)
Higher-income beneficiaries pay Income-Related Monthly Adjustment Amounts (IRMAA) in addition to the standard premium.
Late Enrollment Penalty
If you don’t sign up for Part B when first eligible, you may pay a penalty of 10% of the premium for each 12-month period you could have had Part B but didn’t. This penalty applies for life. At 2026 rates, each year delayed adds approximately $20.29/month permanently.
2026 IRA Drug Cost Cap
Thanks to the Inflation Reduction Act, 2026 marks the first year with a $2,000 annual out-of-pocket cap for Part D drugs. Once you spend $2,000 on covered medications, you pay nothing more that year. This replaces the previous "catastrophic coverage" phase that still required 5% coinsurance.
Part D IRMAA Surcharges (2024 Income)
Source: Medicare.gov Medigap Plan Finder for Connecticut ZIP 06110 (Hartford County), January 2026. Actual premiums vary by age, gender, tobacco use, and carrier.
- • Dental: $1,000-$3,000/year allowance
- • Vision: $200-$400/year for glasses
- • Hearing: $500-$2,000 for hearing aids
- • OTC benefit: $50-$100/month
- • Gym membership (SilverSneakers)
- • Transportation to appointments
- • Requires using network providers
- • May need referrals for specialists
- • Prior authorization for some services
- • Benefits change annually
- • Must continue Part B premium
2026 Annual Cost Comparison: Medicare Options
* Costs vary based on health status, utilization, specific plan chosen, and location within Connecticut. This comparison assumes a 65-year-old with average health and standard Part B premium.
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Data Sources: Medicare.gov, Centers for Medicare & Medicaid Services. Connecticut-specific Medigap premiums from Medicare.gov Plan Finder for Hartford County (ZIP 06110). Last updated January 2026.