2022 Medicare Premiums Part A, Part B, Part C and Part D

The standard monthly Medicare Part B premium in 2022 is $170.10. Learn more about this and other Medicare costs, including Medicare Advantage plan premiums.

The cost of health care may be expensive for Medicare beneficiaries, especially those who require coverage for vision, dental and prescription drugs. Many Medicare Advantage (Medicare Part C) plans provide coverage for these types of services in addition to your Part A and Part B benefits, sometimes for a low or $0 monthly premium.

Find a $0 premium Medicare Advantage plan today.

Speak with a licensed insurance agent

1-800-557-6059

What are Medicare monthly premiums in 2022?

Each part of Medicare may feature different premiums and costs.

Medicare Part A premiums

Most Medicare beneficiaries don't pay a premium for their Part A hospital insurance coverage. This is because most people or their spouses have worked and paid Medicare taxes for at least 40 quarters (10 years), which qualifies them for premium-free Part A.

For people who worked and paid Medicare taxes for less than the required amount of time may have to pay a monthly premium for Part A in 2022.

  • People who paid Medicare taxes for fewer than 30 quarters: $499 per month Part A premium
  • People who paid Medicare taxes for 30-39 quarters: $274 per month Part A premium

Medicare Part B premiums

Part B premiums aren't determined by the length of time you worked or paid taxes. Most Part B beneficiaries pay a monthly premium for their Part B benefits.

The standard Medicare Part B premium in 2022 is $170.10 per month.

Some Medicare beneficiaries may pay more or less per month for their Part B coverage. The Part B premium is partly based on your reported income from two years ago (2020).

People who had higher income in 2020 may pay higher Part B premiums, which is called the IRMAA (Income-related Monthly Adjustment Amount).

Medicare Part B IRMAA
2020 Individual tax return 2020 Joint tax return 2020 Married and separate tax return 2022 Part B monthly premium

$91,000 or less

$182,000 or less

$91,000 or less

$170.10

More than $91,000 and up to $114,000

More than $182,000 and up to $228,000

N/A

$238.10

More than $114,000 up to $142,000

More than $228,000 up to $284,000

N/A

$340.20

More than $142,000 up to $170,000

More than $284,000 up to $340,000

N/A

$442.30

More than $170,000 up to $500,000

More than $340,000 up to $750,000

More than $91,000 up to $409,000

$544.30

More than or equal to $500,000

More than or equal to $750,000

More than or equal to $409,000

$578.30

Medicare Part C premiums

The average Medicare Advantage premium is roughly $63 per month in 2022, though many plans feature $0 monthly premiums.1

How much you pay for your monthly premium depends on the Medicare Advantage plan you enroll in.

  • You will typically pay your Medicare Advantage premium in addition to your Medicare Part B premium. Some Medicare Advantage plans are called "Part B giveback" plans because they credit your standard Part B premium back to you in some way.
  • Some Medicare Advantage have $0 monthly premiums.
  • Some insurers may offer a credit towards your Medicare Part B premium.

Medicare Part D premiums

Medicare Part D prescription drug plan premiums may vary. The average Part D premium in 2022 is $47.59 per month.1

You can compare how much Part D premiums cost where you live and enroll in a Medicare prescription drug plan online when you visit MyRxPlans.com.

As with Medicare Part B, you may be required to pay a higher Part D premium depending on your income.

If you are required to pay a higher Part D premium, it will be based on your reported income from two years ago (2020).

Medicare Part D IRMAA
2020 Individual tax return 2020 Joint tax return 2020 Married and separate tax return 2022 Part D monthly premium

$91,000 or less

$182,000 or less

$91,000 or less

Your plan premium

More than $91,000 and up to $114,000

More than $182,000 and up to $228,000

N/A

$12.40 + your plan premium

More than $114,000 up to $142,000

More than $228,000 up to $284,000

N/A

$32.10 + your plan premium

More than $142,000 up to $170,000

More than $284,000 up to $340,000

N/A

$51.70 + your plan premium

More than $170,000 up to $500,000

More than $340,000 up to $750,000

More than $91,000 up to $409,000

$71.30 + your plan premium

More than or equal to $500,000

More than or equal to $750,000

More than or equal to $409,000

$77.90 + your plan premium

Other costs to consider

Some parts of Medicare may include certain other out-of-pocket costs. These usually include:

  • Deductibles: The amount you must pay before your insurance policy will pay their share of a claim
  • Coinsurance: The percentage you must pay for a covered health care service
  • Copayment: The fixed amount you must pay for a covered health care service

In 2022, the Medicare Part A deductible is $1,556 per benefit period, and the Part B deductible is $233 for the year.

2022 premiums, deductibles, coinsurance and copays for Medicare Advantage plans and Medicare prescription drug plans may vary, with some plans featuring $0 premiums or $0 deductibles. Learn more by comparing plan costs online for free, with no obligation to enroll, or by calling to speak with a licensed insurance agent.

1 MedicareAdvantage.com's The Best States for Medicare report.

Find a $0 premium Medicare Advantage plan today.

Speak with a licensed insurance agent

1-800-557-6059

Christian

About the author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. 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:

MarketWatch logo

Yahoo Finance logo 

 

WebMD Logo

South Florida Sun Sentinel Logo

WRAL.com Logo

Deseret News Logo

Healthcare Finance Logo