Healthcare costs are one of the biggest expenses retirees face, and Medicare premiums play a major role in that budget. In 2026, the standard Part B premium is set at $202.90 per month, an increase from $185 in 2025. That may not sound dramatic at first, but over the course of a year, it adds up to more than $2,400 before deductibles, copays, or prescription drug costs. For retirees living on fixed incomes, even a modest increase in healthcare expenses can squeeze monthly budgets.
With a little strategy, you can manage the Medicare Part B premium without letting it derail your retirement budget. Here are six practical ways to plan ahead.
