Those four figures are set by the Centers for Medicare and Medicaid Services and apply nationwide, so they are the same in Boise as they are anywhere else in Idaho. They are published amounts, not estimates.
Part A (hospital). Most people pay no premium for Part A because they or a spouse worked and paid Medicare taxes for at least 40 quarters, which is about 10 years. If you have fewer than 40 quarters you may pay a monthly premium. The hospital deductible is $1,736 per benefit period in 2026, and a benefit period can restart more than once in a calendar year.
Part B (medical). The standard premium is $202.90 per month in 2026 with a $283 annual deductible. Higher-income households pay more through an income-related adjustment called IRMAA, which is based on the tax return from two years earlier.
Part D (drugs). Premiums and deductibles vary by plan, but the annual out-of-pocket maximum is capped at $2,100 in 2026. Once your spending reaches that cap, your covered drugs cost you nothing for the rest of the year.
What sits on top. Whatever you add to Original Medicare is the part that actually varies. A Medicare Advantage plan may have a $0 premium but its own copays and out-of-pocket maximum. A Medigap policy has a monthly premium that differs by carrier, age, and ZIP code. A standalone drug plan has its own premium. These are filed by insurance companies county by county and change every plan year, which is why no honest page can quote you a single number for them.
| Part B standard premium | $202.90 per month |
| Part B deductible | $283 per year |
| Part A hospital deductible | $1,736 per benefit period |
| Part D out-of-pocket cap | $2,100 per year |
Related on this site: Medicare penalty calculator · Medicare Part D plans
Sources
- Medicare costs at a glance (CMS) · accessed September 14, 2026
- Costs for Medicare drug coverage (CMS) · accessed September 14, 2026
This page is general information, not advice about your specific situation, and it is not connected with or endorsed by the U.S. government or the federal Medicare program. Rules and figures change, so confirm current requirements with CMS, Social Security, or a licensed agent before you act. We do not offer every plan available in your area. Currently we represent 5 organizations which offer 300 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.