Medicare Rate Increases in 2022

Medicare Part A and Part B premium rates can potentially increase each year. Your Medicare Part B premium rate can also increase based on your income.

Original Medicare (Part A and Part B) includes some out-of-pocket costs such as deductibles and monthly premiums. Your Medicare Part B premium rate can increase based on your income.

The standard Part B premium is $170.10 in 2022.

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Medicare rates, deductibles and copays

Every year, the Centers for Medicare and Medicaid determine rates for Medicare Part B premiums. If your reported income two years prior is above a specific threshold, you may have to pay more than the standard premium.

Though most beneficiaries will not pay a monthly premium for Medicare Part A, some people may have to pay up to $499 per month in 2022.

Both Medicare Part A and Part B have deductibles and coinsurance.

  • In 2022, the Medicare Part A deductible for inpatient hospital care is $1,556 per benefit period.

    Inpatient hospital stays that last longer than 60 days also require daily coinsurance payments.

  • The Medicare Part B deductible for 2022 is $233 per year.

    After your deductible is met, you typically have to pay a 20% coinsurance of the Medicare-approved amount for doctor’s office visits, outpatient therapy and medical equipment.

Original Medicare does not typically cover prescription drugs.

If you want Medicare prescription drug coverage, you can consider enrolling in:

  • A Medicare Advantage (Medicare Part C) plan that includes prescription drug coverage

  • A Medicare Part D prescription drug plan

You can learn more about Part D plans available where you live and enroll in a Medicare prescription drug plan online when you visit

Managing your Medicare costs

Medicare Advantage plans may help some enrollees save money on health care costs.

All Medicare Advantage plans offer the same basic benefits available through Original Medicare, and some MA plans offer additional benefits that can include:

  • Dental care coverage
  • Vision care coverage
  • Prescription drug cost coverage
  • Health and wellness programs

Medicare Advantage plans also include an annual out-of-pocket spending limit, which could help protect you from Medicare costs that can add up quickly when you have a serious illness or injury.

Medicare Advantage plans are sold by private insurers, so monthly costs and rate increases will vary based on your plan.

To learn more and to select the right Medicare Advantage plan for you, call today to speak with a licensed insurance agent.

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About the author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.

His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.

Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.

Where you've seen coverage of Christian's research and reports:

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