{"id":292317,"date":"2026-10-16T14:00:00","date_gmt":"2026-10-16T18:00:00","guid":{"rendered":"https:\/\/tododisca.es\/en\/?p=292317"},"modified":"2026-10-16T14:00:00","modified_gmt":"2026-10-16T18:00:00","slug":"medicare-part-b-2027-premium-cola-209-50","status":"publish","type":"post","link":"https:\/\/tododisca.es\/en\/medicare-part-b-2027-premium-cola-209-50\/","title":{"rendered":"Medicare Part B could take part of the 2027 COLA: the premium is projected at $209.50 and will be announced in November"},"content":{"rendered":"<p>The <strong>3.6% COLA<\/strong> announced by the <strong>Social Security Administration (SSA)<\/strong> will not reach beneficiaries&#8217; bank accounts in full. Most retirees have the <strong>Medicare Part B premium<\/strong> deducted directly from their Social Security check, and that premium is expected to rise in 2027.<\/p>\n<p>The <strong>2026 Medicare Trustees Report<\/strong> projects a standard Part B premium of <strong>$209.50 a month<\/strong> for 2027, compared with <strong>$202.90<\/strong> in 2026. That is an increase of $6.60 a month.<\/p>\n<h2>How much of the COLA the premium would take<\/h2>\n<p>The average retired worker will receive about <strong>$75 more a month<\/strong> with the COLA. If the projection is confirmed, the higher Part B premium would absorb roughly <strong>9% of that increase<\/strong>:<\/p>\n<ul>\n<li><strong>Average retirement benefit<\/strong> | from $2,095 to $2,170 (+$75).<\/li>\n<li><strong>Standard Part B premium<\/strong> | from $202.90 to a projected $209.50 (+$6.60).<\/li>\n<li><strong>Estimated net increase<\/strong> | about $68 a month.<\/li>\n<\/ul>\n<h2>When the final premium will be known<\/h2>\n<p>The <strong>Centers for Medicare &amp; Medicaid Services (CMS)<\/strong> usually announces the official Part B premium, the deductible and the income-related surcharges (IRMAA) in <strong>November<\/strong>. Until then, the $209.50 figure is only an estimate.<\/p>\n<p>Beneficiaries with higher incomes pay more than the standard premium. In 2027, IRMAA will be based on the income reported on the 2025 tax return.<\/p>\n<h2>The hold harmless protection<\/h2>\n<p>Federal law includes a <strong>hold harmless<\/strong> provision: for most beneficiaries who have the premium deducted from their check, the increase in the Part B premium cannot be larger than the increase in their Social Security benefit. With a 3.6% COLA, this protection is not expected to apply to many people, but it prevents net checks from falling.<\/p>\n<p>Low-income beneficiaries can get help paying the premium through the Medicare Savings Programs, which we analyzed in our article on <a href=\"https:\/\/tododisca.es\/en\/extra-help-medicare-savings-programs-2026-limits-qmb-slmb-qi-part-b-premium\/\">Extra Help and the Part B premium<\/a>.<\/p>\n<p>The exact net amount will appear in each beneficiary&#8217;s COLA notice. Those who want to see it early can do so online if they meet <a href=\"https:\/\/tododisca.es\/en\/my-social-security-account-november-18-cola-notice-2027\/\">the November 18 deadline<\/a>. Medicare Open Enrollment, in which plans can be changed, runs from October 15 to December 7.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The 2026 Medicare Trustees project a 2027 Part B premium of $209.50, up $6.60. How it reduces the 3.6% COLA and when CMS confirms it.<\/p>\n","protected":false},"author":1,"featured_media":292318,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[12,9,10],"class_list":["post-292317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-cola","tag-medicare","tag-retirement"],"_links":{"self":[{"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/posts\/292317","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/comments?post=292317"}],"version-history":[{"count":1,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/posts\/292317\/revisions"}],"predecessor-version":[{"id":292319,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/posts\/292317\/revisions\/292319"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/media\/292318"}],"wp:attachment":[{"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/media?parent=292317"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/categories?post=292317"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/tags?post=292317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}