{
  "site": {
    "name": "MedicareClear",
    "url": "https://medicareclear.top",
    "operator": "Abdul Samad",
    "location": "Punjab, Pakistan",
    "contact": "ihsanaslamm@gmail.com"
  },
  "dataYear": 2026,
  "verifiedOn": "2026-10-28",
  "note": "Each value keeps the official source URL and the date it was checked. Figures are updated by editing the data layer and redeploying.",
  "figures": [
    {
      "id": "part-a-standard-premium",
      "label": "Part A standard monthly premium",
      "value": 0,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28",
      "note": "Most people get premium-free Part A with 40 or more quarters of coverage."
    },
    {
      "id": "part-a-reduced-premium",
      "label": "Part A reduced monthly premium",
      "value": 311,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28",
      "note": "30 to 39 quarters of coverage."
    },
    {
      "id": "part-a-full-premium",
      "label": "Part A full monthly premium",
      "value": 565,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28",
      "note": "Fewer than 30 quarters of coverage."
    },
    {
      "id": "part-a-inpatient-deductible",
      "label": "Part A inpatient deductible",
      "value": 1736,
      "unit": "USD per benefit period",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-a-coinsurance-days-61-90",
      "label": "Part A hospital coinsurance, days 61-90",
      "value": 434,
      "unit": "USD per day",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-a-lifetime-reserve-days",
      "label": "Part A lifetime reserve day coinsurance",
      "value": 868,
      "unit": "USD per day",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-a-skilled-nursing-days-21-100",
      "label": "Part A skilled nursing coinsurance, days 21-100",
      "value": 217,
      "unit": "USD per day",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-b-standard-premium",
      "label": "Part B standard monthly premium",
      "value": 202.9,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-b-deductible",
      "label": "Part B annual deductible",
      "value": 283,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-b-immunosuppressive-premium",
      "label": "Part B immunosuppressive drug premium",
      "value": 121.6,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-b-coinsurance-rate",
      "label": "Part B coinsurance rate after the deductible",
      "value": 0.2,
      "unit": "share of approved amount",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/what-does-medicare-cost",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-d-base-beneficiary-premium",
      "label": "Part D base beneficiary premium",
      "value": 38.99,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-part-d-bid-information-and-part-d-premium-stabilization-demonstration-parameters",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-d-deductible",
      "label": "Part D deductible",
      "value": 615,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://www.medicare.gov/health-drug-plans/part-d/basics/costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "part-d-out-of-pocket-cap",
      "label": "Part D out-of-pocket cap",
      "value": 2100,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://www.medicare.gov/health-drug-plans/part-d/basics/costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "extra-help-income-single",
      "label": "Extra Help annual income limit, single",
      "value": 23940,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "extra-help-income-couple",
      "label": "Extra Help annual income limit, married",
      "value": 32460,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "extra-help-resource-single",
      "label": "Extra Help resource limit, single",
      "value": 18090,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "extra-help-resource-couple",
      "label": "Extra Help resource limit, married",
      "value": 36100,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "aca-affordability-percentage",
      "label": "ACA employer coverage affordability percentage",
      "value": 0.0996,
      "unit": "share of household income",
      "year": 2026,
      "source": "https://www.irs.gov/pub/irs-drop/rp-25-25.pdf",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "aca-out-of-pocket-max-self-only",
      "label": "ACA self-only out-of-pocket maximum",
      "value": 10600,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "aca-out-of-pocket-max-family",
      "label": "ACA family out-of-pocket maximum",
      "value": 21200,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "aca-subsidy-cliff",
      "label": "Premium tax credit income limit",
      "value": 400,
      "unit": "percent of federal poverty level",
      "year": 2026,
      "source": "https://www.congress.gov/crs-product/R48290",
      "verifiedOn": "2026-10-28",
      "note": "The enhanced premium tax credit provisions expired at the end of 2025. For 2026, premium tax credits are generally limited to households at or below 400% of the federal poverty level."
    },
    {
      "id": "aca-enhanced-subsidies-status",
      "label": "Enhanced premium tax credit status",
      "value": "expired",
      "unit": "status",
      "year": 2026,
      "source": "https://www.congress.gov/crs-product/R48290",
      "verifiedOn": "2026-10-28",
      "note": "The enhanced premium tax credit provisions expired at the end of 2025. For 2026, premium tax credits are generally limited to households at or below 400% of the federal poverty level."
    },
    {
      "id": "fpl-2026-household-1",
      "label": "Federal poverty level, 2026, household of 1",
      "value": 15960,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
    },
    {
      "id": "fpl-2026-household-2",
      "label": "Federal poverty level, 2026, household of 2",
      "value": 21640,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
    },
    {
      "id": "fpl-2026-household-3",
      "label": "Federal poverty level, 2026, household of 3",
      "value": 27320,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
    },
    {
      "id": "fpl-2026-household-4",
      "label": "Federal poverty level, 2026, household of 4",
      "value": 33000,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
    },
    {
      "id": "fpl-2026-household-5",
      "label": "Federal poverty level, 2026, household of 5",
      "value": 38680,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
    },
    {
      "id": "fpl-2026-household-6",
      "label": "Federal poverty level, 2026, household of 6",
      "value": 44360,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
    },
    {
      "id": "fpl-2026-household-7",
      "label": "Federal poverty level, 2026, household of 7",
      "value": 50040,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
    },
    {
      "id": "fpl-2026-household-8",
      "label": "Federal poverty level, 2026, household of 8",
      "value": 55720,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
    },
    {
      "id": "fpl-2025-household-1",
      "label": "Federal poverty level, 2025, household of 1",
      "value": 15650,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
    },
    {
      "id": "fpl-2025-household-2",
      "label": "Federal poverty level, 2025, household of 2",
      "value": 21150,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
    },
    {
      "id": "fpl-2025-household-3",
      "label": "Federal poverty level, 2025, household of 3",
      "value": 26650,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
    },
    {
      "id": "fpl-2025-household-4",
      "label": "Federal poverty level, 2025, household of 4",
      "value": 32150,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
    },
    {
      "id": "fpl-2025-household-5",
      "label": "Federal poverty level, 2025, household of 5",
      "value": 37650,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
    },
    {
      "id": "fpl-2025-household-6",
      "label": "Federal poverty level, 2025, household of 6",
      "value": 43150,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
    },
    {
      "id": "fpl-2025-household-7",
      "label": "Federal poverty level, 2025, household of 7",
      "value": 48650,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
    },
    {
      "id": "fpl-2025-household-8",
      "label": "Federal poverty level, 2025, household of 8",
      "value": 54150,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28",
      "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
    },
    {
      "id": "fpl-2026-add-per-person",
      "label": "Federal poverty level, 2026, added amount per person above 8",
      "value": 5680,
      "unit": "USD/year",
      "year": 2026,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "fpl-2025-add-per-person",
      "label": "Federal poverty level, 2025, added amount per person above 8",
      "value": 5500,
      "unit": "USD/year",
      "year": 2025,
      "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qmb-monthly-single",
      "label": "QMB monthly income limit, single",
      "value": 1350,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qmb-monthly-couple",
      "label": "QMB monthly income limit, married",
      "value": 1824,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qmb-fpl-percent",
      "label": "QMB income test",
      "value": 1,
      "unit": "multiple of the federal poverty level",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qmb-resource-single",
      "label": "QMB resource limit, single",
      "value": 9950,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qmb-resource-couple",
      "label": "QMB resource limit, married",
      "value": 14910,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-slmb-monthly-single",
      "label": "SLMB monthly income limit, single",
      "value": 1616,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-slmb-monthly-couple",
      "label": "SLMB monthly income limit, married",
      "value": 2184,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-slmb-fpl-percent",
      "label": "SLMB income test",
      "value": 1.2,
      "unit": "multiple of the federal poverty level",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-slmb-resource-single",
      "label": "SLMB resource limit, single",
      "value": 9950,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-slmb-resource-couple",
      "label": "SLMB resource limit, married",
      "value": 14910,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qi-monthly-single",
      "label": "QI monthly income limit, single",
      "value": 1816,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qi-monthly-couple",
      "label": "QI monthly income limit, married",
      "value": 2455,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qi-fpl-percent",
      "label": "QI income test",
      "value": 1.35,
      "unit": "multiple of the federal poverty level",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qi-resource-single",
      "label": "QI resource limit, single",
      "value": 9950,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qi-resource-couple",
      "label": "QI resource limit, married",
      "value": 14910,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qdwi-monthly-single",
      "label": "QDWI monthly income limit, single",
      "value": 5405,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qdwi-monthly-couple",
      "label": "QDWI monthly income limit, married",
      "value": 7299,
      "unit": "USD/month",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qdwi-fpl-percent",
      "label": "QDWI income test",
      "value": 2,
      "unit": "multiple of the federal poverty level",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qdwi-resource-single",
      "label": "QDWI resource limit, single",
      "value": 4000,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-qdwi-resource-couple",
      "label": "QDWI resource limit, married",
      "value": 6000,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-extraHelp-fpl-percent",
      "label": "Extra Help income test",
      "value": 1.5,
      "unit": "multiple of the federal poverty level",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-extraHelp-resource-single",
      "label": "Extra Help resource limit, single",
      "value": 18090,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "msp-extraHelp-resource-couple",
      "label": "Extra Help resource limit, married",
      "value": 36100,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "extra-help-base-resource-single",
      "label": "Extra Help base resource limit, single",
      "value": 16590,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.cms.gov/files/document/cy2026-lis-resource-limits-memo.pdf",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "extra-help-base-resource-couple",
      "label": "Extra Help base resource limit, married",
      "value": 33100,
      "unit": "USD",
      "year": 2026,
      "source": "https://www.cms.gov/files/document/cy2026-lis-resource-limits-memo.pdf",
      "verifiedOn": "2026-10-28"
    },
    {
      "id": "burial-exclusion",
      "label": "Burial exclusion included in the Extra Help resource limit",
      "value": 1500,
      "unit": "USD per person",
      "year": 2026,
      "source": "https://www.ecfr.gov/current/title-20/section-416.1231",
      "verifiedOn": "2026-10-28"
    }
  ],
  "tables": {
    "irmaa": {
      "single": [
        {
          "min": 0,
          "max": 109000,
          "partBAdjustment": 0,
          "partDAdjustment": 0,
          "partBTotal": 202.9,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 109001,
          "max": 137000,
          "partBAdjustment": 81.2,
          "partDAdjustment": 14.5,
          "partBTotal": 284.1,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 137001,
          "max": 171000,
          "partBAdjustment": 202.9,
          "partDAdjustment": 37.5,
          "partBTotal": 405.8,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 171001,
          "max": 205000,
          "partBAdjustment": 324.6,
          "partDAdjustment": 60.4,
          "partBTotal": 527.5,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 205001,
          "max": 499999,
          "partBAdjustment": 446.3,
          "partDAdjustment": 83.3,
          "partBTotal": 649.2,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 500000,
          "max": null,
          "partBAdjustment": 487,
          "partDAdjustment": 91,
          "partBTotal": 689.9,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        }
      ],
      "marriedJoint": [
        {
          "min": 0,
          "max": 218000,
          "partBAdjustment": 0,
          "partDAdjustment": 0,
          "partBTotal": 202.9,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 218001,
          "max": 274000,
          "partBAdjustment": 81.2,
          "partDAdjustment": 14.5,
          "partBTotal": 284.1,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 274001,
          "max": 342000,
          "partBAdjustment": 202.9,
          "partDAdjustment": 37.5,
          "partBTotal": 405.8,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 342001,
          "max": 410000,
          "partBAdjustment": 324.6,
          "partDAdjustment": 60.4,
          "partBTotal": 527.5,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 410001,
          "max": 749999,
          "partBAdjustment": 446.3,
          "partDAdjustment": 83.3,
          "partBTotal": 649.2,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 750000,
          "max": null,
          "partBAdjustment": 487,
          "partDAdjustment": 91,
          "partBTotal": 689.9,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        }
      ],
      "marriedSeparate": [
        {
          "min": 0,
          "max": 109000,
          "partBAdjustment": 0,
          "partDAdjustment": 0,
          "partBTotal": 202.9,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 109001,
          "max": 390999,
          "partBAdjustment": 446.3,
          "partDAdjustment": 83.3,
          "partBTotal": 649.2,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        },
        {
          "min": 391000,
          "max": null,
          "partBAdjustment": 487,
          "partDAdjustment": 91,
          "partBTotal": 689.9,
          "year": 2026,
          "source": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
          "verifiedOn": "2026-10-28"
        }
      ],
      "lookbackYears": 2
    },
    "fpl": {
      "2025": {
        "year": 2025,
        "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
        "verifiedOn": "2026-10-28",
        "annual": {
          "1": 15650,
          "2": 21150,
          "3": 26650,
          "4": 32150,
          "5": 37650,
          "6": 43150,
          "7": 48650,
          "8": 54150
        },
        "addPerPerson": 5500,
        "note": "Used for 2026 premium tax credit eligibility because the Marketplace uses the prior-year guidelines."
      },
      "2026": {
        "year": 2026,
        "source": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines",
        "verifiedOn": "2026-10-28",
        "annual": {
          "1": 15960,
          "2": 21640,
          "3": 27320,
          "4": 33000,
          "5": 38680,
          "6": 44360,
          "7": 50040,
          "8": 55720
        },
        "addPerPerson": 5680,
        "note": "48 contiguous states and DC. Alaska and Hawaii use higher guidelines."
      },
      "annual": {
        "2025": {
          "1": 15650,
          "2": 21150,
          "3": 26650,
          "4": 32150,
          "5": 37650,
          "6": 43150,
          "7": 48650,
          "8": 54150
        },
        "2026": {
          "1": 15960,
          "2": 21640,
          "3": 27320,
          "4": 33000,
          "5": 38680,
          "6": 44360,
          "7": 50040,
          "8": 55720
        }
      }
    },
    "msp": {
      "federal": {
        "qmb": {
          "key": "qmb",
          "name": "Qualified Medicare Beneficiary (QMB)",
          "shortName": "QMB",
          "fplPercent": 1,
          "monthlyDisregard": 20,
          "resourceSingle": {
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
            "verifiedOn": "2026-10-28",
            "amount": 9950
          },
          "resourceCouple": {
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
            "verifiedOn": "2026-10-28",
            "amount": 14910
          },
          "anchorMonthlySingle": 1350,
          "anchorMonthlyCouple": 1824,
          "whatItPays": "Part A and Part B premiums, deductibles, coinsurance, and copayments for covered services.",
          "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
          "verifiedOn": "2026-10-28",
          "year": 2026
        },
        "slmb": {
          "key": "slmb",
          "name": "Specified Low-Income Medicare Beneficiary (SLMB)",
          "shortName": "SLMB",
          "fplPercent": 1.2,
          "monthlyDisregard": 20,
          "resourceSingle": {
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
            "verifiedOn": "2026-10-28",
            "amount": 9950
          },
          "resourceCouple": {
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
            "verifiedOn": "2026-10-28",
            "amount": 14910
          },
          "anchorMonthlySingle": 1616,
          "anchorMonthlyCouple": 2184,
          "whatItPays": "Part B premiums only. You must have Part A.",
          "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
          "verifiedOn": "2026-10-28",
          "year": 2026
        },
        "qi": {
          "key": "qi",
          "name": "Qualifying Individual (QI)",
          "shortName": "QI",
          "fplPercent": 1.35,
          "monthlyDisregard": 20,
          "resourceSingle": {
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
            "verifiedOn": "2026-10-28",
            "amount": 9950
          },
          "resourceCouple": {
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
            "verifiedOn": "2026-10-28",
            "amount": 14910
          },
          "anchorMonthlySingle": 1816,
          "anchorMonthlyCouple": 2455,
          "whatItPays": "Part B premiums only. Funding is limited and applications are first-come.",
          "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
          "verifiedOn": "2026-10-28",
          "year": 2026
        },
        "qdwi": {
          "key": "qdwi",
          "name": "Qualified Disabled and Working Individuals (QDWI)",
          "shortName": "QDWI",
          "fplPercent": 2,
          "monthlyDisregard": 0,
          "resourceSingle": {
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
            "verifiedOn": "2026-10-28",
            "amount": 4000
          },
          "resourceCouple": {
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
            "verifiedOn": "2026-10-28",
            "amount": 6000
          },
          "anchorMonthlySingle": 5405,
          "anchorMonthlyCouple": 7299,
          "whatItPays": "Part A premiums only for some working people with disabilities.",
          "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
          "verifiedOn": "2026-10-28",
          "year": 2026
        },
        "extraHelp": {
          "key": "extraHelp",
          "name": "Extra Help (Part D Low-Income Subsidy)",
          "shortName": "Extra Help",
          "fplPercent": 1.5,
          "monthlyDisregard": 0,
          "resourceSingle": {
            "amount": 18090,
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
            "verifiedOn": "2026-10-28"
          },
          "resourceCouple": {
            "amount": 36100,
            "year": 2026,
            "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
            "verifiedOn": "2026-10-28"
          },
          "whatItPays": "Part D premiums, deductible, and copays, with amounts depending on income.",
          "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
          "verifiedOn": "2026-10-28",
          "year": 2026,
          "note": "The $18,090 and $36,100 figures include the $1,500 per person burial exclusion. Without that exclusion, the CMS base limits are $16,590 and $33,100."
        }
      },
      "states": {
        "CA": {
          "year": 2026,
          "source": "https://www.dhcs.ca.gov/individuals/Pages/Medicare-Savings-Programs-in-California.aspx",
          "verifiedOn": "2026-10-28",
          "assetTest": true,
          "resourceSingle": 130000,
          "resourceCouple": 195000,
          "resourcePerAdditional": 65000,
          "programs": {
            "qmb": {
              "available": true,
              "monthlySingle": 1330,
              "monthlyCouple": 1804,
              "fplPercent": 1,
              "monthlyDisregard": 0,
              "note": "DHCS publishes a gross monthly income limit at 100% of the federal poverty level."
            },
            "slmb": {
              "available": true,
              "monthlySingle": 1596,
              "monthlyCouple": 2165,
              "fplPercent": 1.2,
              "monthlyDisregard": 0
            },
            "qi": {
              "available": true,
              "monthlySingle": 1796,
              "monthlyCouple": 2436,
              "fplPercent": 1.35,
              "monthlyDisregard": 0
            }
          },
          "note": "California uses higher asset limits than the federal MSP limits: $130,000 for an individual and $195,000 for a couple starting January 1, 2026."
        },
        "NY": {
          "year": 2026,
          "source": "https://www.health.ny.gov/health_care/medicaid/program/update/savingsprogram/medicaresavingsprogram.htm",
          "verifiedOn": "2026-10-28",
          "assetTest": false,
          "programs": {
            "qmb": {
              "available": true,
              "monthlySingle": 1856,
              "monthlyCouple": 2509,
              "fplPercent": 1.38,
              "monthlyDisregard": 20,
              "note": "New York sets QMB at 138% of the federal poverty level plus the $20 disregard."
            },
            "slmb": {
              "available": false,
              "monthlySingle": 0,
              "monthlyCouple": 0,
              "fplPercent": 1.2,
              "monthlyDisregard": 20,
              "note": "New York no longer runs SLMB as a separate program. Use the QMB and QI tests."
            },
            "qi": {
              "available": true,
              "monthlySingle": 2494,
              "monthlyCouple": 3375,
              "fplPercent": 1.86,
              "monthlyDisregard": 20,
              "note": "New York sets QI below 186% of the federal poverty level plus the $20 disregard."
            }
          },
          "note": "New York has no asset test for QMB or QI, and SLMB is no longer a separate program in the state."
        },
        "AZ": {
          "year": 2026,
          "source": "https://www.azahcccs.gov/Members/Downloads/EligibilityRequirements.pdf",
          "verifiedOn": "2026-10-28",
          "assetTest": false,
          "programs": {
            "qmb": {
              "available": true,
              "monthlySingle": 1330,
              "monthlyCouple": 1804,
              "fplPercent": 1,
              "monthlyDisregard": 0,
              "note": "AHCCCS lists 100% of the federal poverty level as the QMB income limit."
            },
            "slmb": {
              "available": true,
              "monthlySingle": 1596,
              "monthlyCouple": 2164,
              "fplPercent": 1.2,
              "monthlyDisregard": 0
            },
            "qi": {
              "available": true,
              "monthlySingle": 1796,
              "monthlyCouple": 2435,
              "fplPercent": 1.35,
              "monthlyDisregard": 0
            }
          },
          "note": "AHCCCS does not list a resource test for QMB, SLMB, or QI in its February 2026 eligibility chart."
        }
      }
    },
    "aca": {
      "applicablePercentageTable": [
        {
          "minFplPercent": 0,
          "maxFplPercent": 133,
          "initialRate": 0.021,
          "finalRate": 0.021,
          "year": 2026,
          "source": "https://www.irs.gov/pub/irs-drop/rp-25-25.pdf",
          "verifiedOn": "2026-10-28"
        },
        {
          "minFplPercent": 133,
          "maxFplPercent": 150,
          "initialRate": 0.0314,
          "finalRate": 0.0419,
          "year": 2026,
          "source": "https://www.irs.gov/pub/irs-drop/rp-25-25.pdf",
          "verifiedOn": "2026-10-28"
        },
        {
          "minFplPercent": 150,
          "maxFplPercent": 200,
          "initialRate": 0.0419,
          "finalRate": 0.066,
          "year": 2026,
          "source": "https://www.irs.gov/pub/irs-drop/rp-25-25.pdf",
          "verifiedOn": "2026-10-28"
        },
        {
          "minFplPercent": 200,
          "maxFplPercent": 250,
          "initialRate": 0.066,
          "finalRate": 0.0844,
          "year": 2026,
          "source": "https://www.irs.gov/pub/irs-drop/rp-25-25.pdf",
          "verifiedOn": "2026-10-28"
        },
        {
          "minFplPercent": 250,
          "maxFplPercent": 300,
          "initialRate": 0.0844,
          "finalRate": 0.0996,
          "year": 2026,
          "source": "https://www.irs.gov/pub/irs-drop/rp-25-25.pdf",
          "verifiedOn": "2026-10-28"
        },
        {
          "minFplPercent": 300,
          "maxFplPercent": 400,
          "initialRate": 0.0996,
          "finalRate": 0.0996,
          "year": 2026,
          "source": "https://www.irs.gov/pub/irs-drop/rp-25-25.pdf",
          "verifiedOn": "2026-10-28"
        }
      ],
      "fplYearForSubsidies": 2025,
      "openEnrollment": {
        "startMonth": 11,
        "startDay": 1,
        "endMonth": 1,
        "endDay": 15,
        "year": 2026,
        "source": "https://www.healthcare.gov/glossary/open-enrollment-period/",
        "verifiedOn": "2026-10-28",
        "note": "The federal Marketplace window generally runs from November 1 through January 15 for coverage in the next year. State marketplaces can use different dates."
      },
      "enhancedSubsidies": {
        "status": "expired",
        "expiredOn": "2025-12-31",
        "note": "The enhanced premium tax credit provisions expired at the end of 2025. For 2026, premium tax credits are generally limited to households at or below 400% of the federal poverty level.",
        "source": "https://www.congress.gov/crs-product/R48290",
        "verifiedOn": "2026-10-28",
        "year": 2026
      }
    }
  }
}