If you are sketching next year’s budget, use the trustees’ projection for now. The 2026 Medicare Trustees Report lists a projected standard Part B premium of $209.50 a month for 2027, and a projected annual Part B deductible of $292. Those figures are in Table V.E2 under “intermediate estimates.” The report says the future amounts are estimates and the real numbers are likely to differ somewhat.
For comparison, the same table lists the 2026 standard premium at $202.90 a month and the 2026 deductible at $283. Medicare.gov also lists those 2026 amounts on its Medicare costs page. CMS has not published the official 2027 premium and deductible yet. In recent years those final figures have come out in the fall. We will help you recheck once they are posted.
Who pays the standard amount
The $209.50 figure is the projected standard premium. It is not what everyone pays. If your income is high enough that you pay an Income-Related Monthly Adjustment Amount (IRMAA), your Part B premium is higher than the standard amount. Social Security uses your tax return from two years earlier to decide IRMAA. If Medicaid or another program pays your Part B premium, this monthly number may not come out of your own pocket.
Medigap Plan G still leaves the deductible with you
On Medicare.gov’s Medigap comparison chart, Plan G pays Part B coinsurance or copayments. It does not pay the Part B deductible. You pay that deductible yourself before Plan G starts covering those Part B costs. If you have Plan G, budget around the projected $292 deductible until CMS sets the official 2027 amount. A high-deductible Plan G works differently; the chart explains that version separately.
Part B giveback plans need the official premium too
Some Medicare Advantage plans reduce the Part B premium you pay. People often call that a Part B giveback. The reduction is a feature of that plan for the year, not a separate check from Medicare. Because it is tied to the Part B premium, the dollar amount can change when CMS sets the 2027 premium. Use the projected standard premium as a placeholder while you compare plans, then look again at each plan’s 2027 materials after the official number is out. Compare doctors, drugs, and the yearly total on Medicare Plan Finder, not the giveback alone.
The one-time $90 payment some people received in October is a different thing. It does not change the 2027 premium. Read who got that rebate, and why it should not decide a 2027 plan.
What to do this month
- Write $209.50 a month and a $292 deductible into your 2027 notes, and label both as projected.
- If you pay IRMAA, or someone else pays your premium, do not treat the standard amount as your bill.
- If you have Plan G, remember the Part B deductible is still yours to pay.
- When CMS posts the official 2027 figures, replace the estimates and recheck any giveback plan you are considering.
CDA Insurance helps people in Idaho, Oregon, Texas, and Washington read these numbers at no cost to you. Call (800) 884-2343 or use the contact page.
Want a second look at the 2027 estimate?
We can walk through what the projected premium and deductible mean for Medigap or a Part B giveback plan, then update the numbers when CMS publishes them.
Sources
- CMS — 2026 Medicare Trustees Report (Table V.E2, intermediate estimates for 2027; 2026 historical amounts in the same table)
- Medicare.gov — Medicare costs (official 2026 Part B premium and deductible)
- Medicare.gov — Compare Medigap plan benefits