2026 Medicare Part A deductible and coinsurance
CMS · checked 2026-10-04
The app uses the figures and rules named on that page. It does not replace the page.
health · official figure · reviewed 2026-10-04
Price a 2026 Medicare Part A Hospital or SNF Stay
In 2026 the Part A hospital deductible is $1,736. Days 61 through 90 cost $434 a day. Lifetime reserve days cost $868. SNF days 21 through 100 cost $217.
What this guide helps you do
Add the 2026 CMS Part A deductible and daily coinsurance for the stay length entered.
The figure that changes the result
Days 1 through 60 do not add a daily hospital coinsurance. The deductible is the hospital charge in that span.
Rebuilding the CMS table in a spreadsheet takes about 20 minutes, and last year's $1,676 deductible is still widely quoted.
Who this is for
A person estimating Original Medicare cost sharing for a hospital or skilled-nursing stay in 2026.
Steps
Step 1
Use days in one benefit period.
Step 2
For a hospital stay, include the $1,736 deductible unless it was already met.
Step 3
Add $434 for each day from day 61 through day 90.
Step 4
Add $868 for each lifetime reserve day after day 90, up to 60 days in this count.
Step 5
For a skilled-nursing stay, add $217 only for days 21 through 100.
Worked example
A 5-day hospital stay with the deductible unmet is $1,736. There is no daily coinsurance in days 1 through 60. A 70-day stay adds 10 days at $434, for a total of $6,076 with the deductible.
$1,736.00 in published 2026 Part A hospital cost sharing for 5 days.
- Deductible: $1,736.00.
- Days 61–90: 0 × $434 = $0.00.
- Lifetime reserve days used in this count: 0 × $868 = $0.00.
- Days past 150: 0.
- Total published cost sharing: $1,736.00.
The $1,736 deductible is included once for this benefit period.
Where this goes wrong
This is not a hospital bill. Medicare Advantage uses plan copays, not this table. The tool does not know how many lifetime reserve days you have already used.
What the source says
Limits
The SNF line does not decide whether the stay is covered.
Days after 150 in the hospital, and days after 100 in a SNF, are outside the published daily amounts.
Confirm the benefit period before you act.
This tool gives general information. It is not medical advice. Speak to a licensed clinician before you make a health decision.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
Use the current instruction from the agency named above. This guide is a planning aid, not an official decision.
Free companion app
Add the 2026 CMS Part A deductible and daily coinsurance for the stay length entered.
Open Add the 2026 Part A Daily Amounts
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