Medicare is often seen as a safety net for retirees—but many people are shocked to discover just how much it doesn’t cover. In 2026, even with updates and new benefits, there are still major gaps that can leave seniors paying out of pocket. These surprises can derail even the most carefully planned retirement budget. The key is knowing where those gaps are before they cost you. Here are seven Medicare coverage gaps in 2026 that could catch you off guard—and what to do about them.
