Medicare Costs Are Going Up. Here’s What Seniors Need to Know for 2026

If you’ve spent any time on Facebook lately, you’ve probably seen folks grumbling about next year’s Medicare costs. And they’re not wrong.

Medicare Part B is jumping nearly 10% in 2026, landing at about $202.90 a month. Pair that with higher drug costs and tighter budgets, and you’ve got a lot of seniors feeling like the ground is shifting under their feet.

It’s frustrating. It’s anxiety-raising. And it’s real.

But here’s the good news. You’re not stuck.

At M3 Insurance, Mary and Alexis walk seniors through three clear paths so you can pick the one that fits your life, your health, and your wallet.

Let’s break this down in plain English.

Why the Rise Matters

For many seniors, Part B isn’t optional. It’s tied to doctor visits, outpatient care, labs, preventive services, and other everyday medical needs.

So when the monthly cost jumps almost 10%, it hits fixed-income households straight in the ribs.

Add rising prescription drug costs on top of it. Suddenly, planning ahead feels more like guessing.

But this is exactly why guidance matters.

How M3 Helps You Stay in Control

Most people don’t realize this, but you actually have choices. And M3 lays out three straightforward paths. No pressure. No jargon. No gimmicks.

1. Medicare Advantage (Part C)

For folks who want all-in-one coverage and are open to network-based plans. Often includes drug coverage. Many plans offer extras like dental and vision to balance out rising Part B costs.

2. Medicare Supplement (Medigap) + Drug Plan

For seniors who want predictability and nationwide freedom. These plans cost more upfront but keep surprise bills away. Good for heavy travelers or those with ongoing medical needs.

3. Low-Income Assistance & Savings Programs

A lot of people qualify and don’t even know it. These programs can help pay Part B premiums—or even wipe them out completely. M3 checks eligibility every time, no matter what.

You get the facts. You pick the path. They make it simple.

What Mary and Alexis Want Seniors to Hear Right Now

Mary doesn’t sugarcoat it. She puts it straight:

“These rising costs are hard on people. Our job is to show you every option you have so you never feel cornered.” — Mary Mitchem

Alexis echoes that calm, practical approach:

“Every family is different. Some folks want lower premiums. Others want fuller coverage. Some qualify for help they didn’t even know existed. Our job is to match you to what works for you.” — Alexis Mitchem

That’s the heart of M3. Real talk. Real choices. No one-size-fits-all plan.

The Bottom Line

Yes, Medicare is getting more expensive in 2026. And yes, people are worried.

But you don’t have to navigate this mess alone. With the right team in your corner, you can walk into the next enrollment year with confidence instead of stress.

Mary and Alexis built M3 to make this simple.

Three options. Straight answers.

You get control back.

If you’re feeling the pinch from rising costs, now’s the time to sit down with M3 and sort through what will actually help you—not just what sounds good on paper.