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December 12, 2021

Minute Read


Medicare premiums and out-of-pocket costs change annually. Here’s a look at some of the costs that will apply in 2022 if you’re enrolled in Original Medicare Part A and Part B.

Medicare premiums for Part B

According to the Centers for Medicare & Medicaid Services (CMS), most people with Medicare who receive Social Security benefits will pay the standard monthly Part B Medicare premium of $170.10 in 2022.

People with higher incomes may pay more than the standard Medicare premium.

If your modified adjusted gross income (MAGI) as reported on your federal income tax return from two years ago (2020) is above a certain amount, you’ll pay the standard Medicare premium amount and an Income-Related Monthly Adjustment Amount (IRMAA), which is an extra charge added to your Medicare premium, as shown in the following table:

You filed an individual income tax return with MAGI:

You filed a joint income tax return with MAGI:

You filed an income tax return as married filing separately with MAGI:

Monthly Medicare premium in 2022 including any IRMAA is:

$91,000 or less

$182,000 or less

$91,000 or less

$170.10

$91,000 to $114,000

$182,000 to $228,000

N/A

$238.10

$114,000 to $142,000

$228,000 to $284,000

N/A

$340.20

$142,000 to $170,000

$284,000 to $340,000

N/A

$442.30

$170,000 to $500,000

$340,000 to $750,000

$91,000 to $409,000

$544.30

$500,000 and above

$750,000 and above

$409,000 and above

$578.30


Out-of-Pocket Medicare costs

The following out-of-pocket costs for Original Medicare Part A and Part B apply in 2022:

  • Part A deductible for inpatient hospitalization: $1,556 per benefit period
  • Part A premium for those who need to buy coverage: up to $499 per month (most people don’t pay a premium for Medicare Part A)
  • Part A coinsurance: $389 per day for days 61 through 90, and $778 per “lifetime reserve day” after day 90 (up to a 60-day lifetime maximum)
  • Part A skilled nursing facility coinsurance: $194.50 for days 21 through 100 (for each benefit period)
  • Part B annual deductible: $233

For more information on costs and benefits related to Social Security and Medicare, visit ssa.gov and medicare.gov.


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