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What is the monthly premium for Medicare Part B for those who don’t delay enrolling?

En español | Medicare’s Part B helps pay for a wide variety of medical services and equipment, including doctor visits, diagnostic tests, physical therapy, ambulance trips, home health care, diabetic supplies, and outpatient care for hospital patients who have not been admitted to the hospital.

The standard Part B monthly premium is $144.60 in 2020. However, most people who receive Social Security retirement or disability benefits — and deduct this premium from those benefits — pay an average of about $130. That’s because federal law says that the annual Part B premium increase cannot be more than the cost-of-living increase for Social Security benefits.

If you don’t enroll in Part B when you first become eligible for Medicare, a late-enrollment penalty can be added to your monthly premium. (See penalties section.)

Beneficiaries pay the standard premium amount if they enroll in Part B in 2020 for the first time or if they don’t pay this premium by deducting it from their Social Security checks. For those who receive both Medicare and Medicaid, Medicaid will pay this premium for them.

People with high incomes, who constitute a minority of Medicare beneficiaries, will pay a surcharge added to their premiums. If your 2018 modified adjusted gross income was:

  • between $87,000 and $109,000 ($174,000 to $218,000 for a married couple filing a joint tax return), you’ll pay a monthly premium of $202.40 in 2020
  • between $109,000 and $136,000 ($218,000 to $272,000 for a couple filing jointly), you’ll pay a monthly premium of $289.20
  • between $136,000 and $163,000 ($272,000 to $326,000 for a couple filing jointly), you’ll pay a monthly premium of $376.00
  • between $163,000 and $500,000 ($326,000 to $750,000 for a couple filing jointly), you’ll pay a monthly premium of $462.70
  • more than $500,000 (above $750,000 for a couple filing jointly), you’ll pay a monthly premium of $491.60

The Social Security Administration usually calculates these premium surcharges based on your income from two years earlier. But in some situations, you can ask Social Security to waive the surcharge or use income from a different year. For more information, call Social Security at 800-772-1213 (TTY 800-325-0778) or visit your local Social Security office.


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