Medicare Part A – Hospital Insurance

Medicare Part A is often called hospital insurance which helps cover inpatient medical needs.

What Part A Covers

Inpatient care (when you’re admitted to the hospital)
Skilled nursing facility care (short-term recovery, not long-term care)
Hospice care
Home health care (certain services at home when medically necessary)

Part A Costs

Your costs will include your premium and any deductibles, copays or coinsurance while using the plan.

  
    What you pay in 2025:
    Premium
  
    If you or your spouse worked 40 quarters (10 years) in the USA
    $0 per month
  
    If you or your spouse worked between 30-39 quarters (7.5-10 years) in the USA
    $285 per month ($311 in 2026)
  
    If you or your spouse worked under 30 quarters (7.5 years) in the USA
    $518 per month ($565 in 2026)

  
    Part A costs
    What you pay
  
    Deductible
    $1,676 for each inpatient hospital benefit period, before Original Medicare starts to pay. ($1,736 in 2026)
  
    Inpatient Stay
    
    Days 1-60: $0
Days 61-90: $419 copay each day ($434 in 2026)
Days 91-150: $838 copay each day using your 60 lifetime reserve days ($868 in 2026).
After 150 days: You pay all costs

      Lifetime reserve days can only be used once.
    
    Skilled Nursing Facility Stay
    
      Days 1-20: $0
Days 21-100: $209.50 copay each day ($217 in 2026)
101 days: You pay all costs

🚨‼️ That’s $64,526 for 150 day stay in the hospital! ($66,836 in 2026)

For most of us, Original Medicare is not enough coverage. That’s why people opt to get additional insurance to financially protect against unexpected hospital and medical bills.

Medicare Starts the Coverage— But Not the Protection.

Original Medicare doesn’t include a limit on what you might spend. Adding a Medicare Advantage or Supplement plan can help protect you from surprise bills. I can help you find the best fit.

Get Help Today!

Part A costs	What you pay
Deductible	$1,676 for each inpatient hospital benefit period, before Original Medicare starts to pay. ($1,736 in 2026)
Inpatient Stay	Days 1-60: $0 Days 61-90: $419 copay each day ($434 in 2026) Days 91-150: $838 copay each day using your 60 lifetime reserve days ($868 in 2026). After 150 days: You pay all costs Lifetime reserve days can only be used once.
Skilled Nursing Facility Stay	Days 1-20: $0 Days 21-100: $209.50 copay each day ($217 in 2026) 101 days: You pay all costs