How much does Medicare Part B cost?

Published by Medicare Made Clear®


Medicare Part B covers doctor visits, lab tests, preventive screenings and other outpatient health care services. Part B costs include a monthly premium, an annual deductible and coinsurance for most services.

Medicare Part B premium for 2022

In 2022, the standard Part B premium is $170.10 per month. Most people pay the standard premium amount. It’s either deducted from your Social Security check or you may pay Medicare directly, depending on your situation.

People with tax-reported incomes over $91,000 (single) and $182,000 (joint) must pay an income-related monthly adjustment amount (IRMAA). The table below shows Part B premiums for 2022 by filing status and income level. The IRMAA is based on your reported adjusted gross income from two years ago.

Total monthly Part B premium by tax return
Filing individual tax returns Filing joint tax returns Total monthly Part B premium

$91,000 or less

$182,000 or less

$170.10

Over $91,000
& up to
$114,000

Over $182,000
& up to
$228,000

$238.10

Over $114,000
& up to
$142,000

Over $228,000
& up to
$284,000

$340.20

Over $142,000
& up to
$170,000

Over $284,000
& up to
$340,000

$442.30

Over $170,000
& less than
$500,000

Over $340,000
& less than
$750,000

$544.30

$500,000 or more

$750,000 or more

$578.30

Part B premiums for high-income beneficiaries who are married, lived with their spouse at any time during the taxable year, but who are filing separate are shown in the table below.1

Total Part B monthly premiums by tax return for married filing separately
Married, filing separate tax returns Total monthly Part B premium

$91,000 or less

$170.10

Over $91,000
& less than
$409,000

$544.30

$409,000 or more

$578.30

Medicare Part B deductible

The Part B deductible for 2022 is $233. This is the amount you are responsible for paying before Part B starts helping to pay your health care costs, but it doesn’t apply to most Medicare-covered preventive care services.

Medicare Part B coinsurance

Coinsurance is a cost-sharing term that means insurance pays a percentage and you pay a percentage. With Medicare Part B, you pay 20 percent of the cost for the services you use. So if your doctor charges $100 for a visit, then you are responsible for paying $20 and Part B pays $80.

There is no limit on Part B coinsurance costs, which could add up if you have a lot of doctor visits or need other services.

With a Medicare Advantage plan, your costs will be different and may include copays for doctor visits or other services. However, your out-of-pocket costs are limited to the annual plan maximum. Once you’ve paid that amount, the plan pays 100 percent for Medicare-covered services through the end of the year.

If Medicare costs are a concern, you may want to take advantage of financial protection and other benefits offered by Medicare Advantage plans.

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