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Medicare Premiums, Deductibles, and Co-Insurance

This topic provides tables that show Medicare premiums, deductibles, and co-insurance amounts in effect during various calendar years. This information is provided by the Federal Department Of Health and Human Services, Centers for Medicare and Medicaid Services.

Note that beginning in 2007, your Part B premium is based on your income. Some people will pay a higher premium based on their modified adjusted gross income. See the Medicare Part B Premiums For People With Higher Incomes section below for additional annual information.

Generally, announcements of rate changes for the following calendar year are made around the middle of October each year. These press releases may be found on the internet at: http://www.hhs.gov/news/.

Additional information may be found at:
http://www.medicare.gov/

Premiums:

Year	Part A (< 30 quarters)	Part A (30-39 quarters)	Part B (see below)
2010	$461	$254	$110.50
2009	443	244	96.40
2008	423	233	96.40
2007	410	226	93.50
2006	393	216	88.50
2005	375	206	78.20
2004	343	189	66.60
2003	316	174	58.70
2002	319	175	54.00
2001	300	165	50.00
2000	301	166	45.50
1999	309	170	45.50
1998	309	170	43.80

Deductibles and Co-Insurance:

Year	Part A Deductible	Part A Days 61-90 Co-Insurance	Part A Days 91-150 Co-Insurance	SNF Days 21-100 Co-Insurance	Part B Deductible
2010	$1,100	$275	$550	$137.50	$155
2009	1,068	267	534	133.50	135
2008	1,024	256	512	128.00	135
2007	992	248	496	124.00	131
2006	952	238	476	119.00	124
2005	912	228	456	114.00	110
2004	876	219	438	109.50	100
2003	840	210	420	105.00	100
2002	812	203	406	101.50	100
2001	792	198	396	99.00	100
2000	776	194	388	97.00	100
1999	768	192	384	96.00	100
1998	764	191	382	95.50	100

Medicare Part B Premiums For People With Higher Incomes

Medicare Part B Premiums in 2010

NOTE: Most Medicare beneficiaries will not see a Part B monthly premium increase as a result of a "hold harmless" provision in the current law. This allows for 73 percent of beneficiaries to be protected from an increase raising the 2010 Part B monthly premiums from $96.40 to $110.50. The Social Security Administration announced there would be no increase in Social Security benefits for 2010. As a result of the hold-harmless provision, the increase in the Part B premium for 2010 will be paid by only a small percentage of Part B enrollees. Most Part B enrollees will pay the same monthly premium that they paid in 2009 ($96.40 was the 2009 standard monthly premium).

Approximately 27 percent of beneficiaries are not subject to the hold-harmless provision because they are new enrollees during the year (3 percent), they are subject to the income-related additional premium amount (5 percent), they do not have their Part B premiums withheld from social security benefit payments (19 percent), including those who qualify for both Medicare and Medicaid and have their Part B premiums paid on their behalf by Medicaid (17 percent).

Most people will pay the standard monthly Part B premium of $96.40 in 2010. This is the same as it was in 2009. Some people will pay a higher premium based on their modified adjusted gross income.

Your monthly premium will be higher if you file an individual tax return and your annual income is more than $85,000, or if you are married (file a joint tax return) and your annual income is more than $170,000.

If you meet these criteria, Social Security will use the income reported two years ago on your IRS income tax return to determine your premium (if unavailable, SSA will use income from three years ago). For example, the income reported on your 2008 tax return will be used to determine your monthly Part B premium in 2010. If your income has decreased since 2008, you can ask that the income from a more recent tax year be used to determine your premium, but you must meet certain criteria.

At the end of each year, Social Security will send you a letter if your Part B premium will increase based on the level of your income and to tell you what you can do if you disagree. For more information about Part B premiums based on income, call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778.

The charts below show the calendar year 2010 Part B monthly premium amounts based on income.

These amounts change each year. There may be a late-enrollment penalty.

You Pay	If Your Yearly Income is
	Single	Married Couple
$110.500	$85,000 or less	$170,000 or less
$154.70	$85,001-$107,000	$170,001-$214,000
$221.00	$107,001-$160,000	$214,001-$320,000
$287.30	$160,001-$214,000	$320,001-$428,000
$353.60	Above $214,000	Above $428,000

You Pay	If You Are Married but You File a Separate Tax Return From Your Spouse and Your Yearly Income is
$110.50	Under $85,000 or less
$287.30	$85,001-$129,000
$353.60	Above $129,000

Medicare Part B Premiums in 2009

Most people will pay the standard monthly Part B premium of $96.40 in 2009, as shown in the table above. This is the same as it was in 2008. Some people will pay a higher premium based on their modified adjusted gross income.

If you meet these criteria, Social Security will use the income reported two years ago on your IRS income tax return to determine your premium (if unavailable, SSA will use income from three years ago). For example, the income reported on your 2007 tax return will be used to determine your monthly Part B premium in 2009. If your income has decreased since 2007, you can ask that the income from a more recent tax year be used to determine your premium, but you must meet certain criteria.

The charts below show the calendar year 2009 Part B monthly premium amounts based on income.

These amounts change each year. There may be a late-enrollment penalty.

You Pay	If Your Yearly Income is
	Single	Married Couple
$96.40	$85,000 or less	$170,000 or less
$134.90	$85,001-$107,000	$171,001-$214,000
$192.70	$107,001-$160,000	$214,001-$320,000
$250.50	$160,001-$213,000	$320,001-$426,000
$308.30	Above $213,000	Above $426,000

You Pay	If You Are Married but You File a Separate Tax Return From Your Spouse and Your Yearly Income is
$96.40	Under $85,000 or less
$250.50	$85,001-$128,000
$308.30	Above $128,000

Medicare Part B Premiums in 2008

Most people will pay the standard monthly Part B premium of $96.40 in 2008, as shown in the table above. Some people will pay a higher premium based on their modified adjusted gross income.

Your monthly premium will be higher if you file an individual tax return and your annual income is more than $82,000, or if you are married (file a joint tax return) and your annual income is more than $164,000.

If you meet these criteria, Social Security will use the income reported two years ago on your IRS income tax return to determine your premium (if unavailable, SSA will use income from three years ago). For example, the income reported on your 2006 tax return will be used to determine your monthly Part B premium in 2008. If your income has decreased since 2006, you can ask that the income from a more recent tax year be used to determine your premium, but you must meet certain criteria.

The charts below show the calendar year 2008 Part B monthly premium amounts based on income.

These amounts change each year. There may be a late-enrollment penalty.

You Pay	If Your Yearly Income is
	Single	Married Couple
$96.40	$82,000 or less	$164,000 or less
$122.20	$82,001-$102,000	$164,001-$204,000
$160.90	$102,001-$153,000	$204,001-$306,000
$199.70	$153,001-$205,000	$306,001-$410,000
$238.40	Above $205,000	Above $410,000

You Pay	If You Are Married but You File a Separate Tax Return From Your Spouse and Your Yearly Income is
$96.40	Under $82,000 or less
$199.70	$82,001-$123,000
$238.40	Above $123,000

Medicare Part B Premiums in 2007

Most people will pay the standard monthly Part B premium of $93.50 in 2007, as shown in the table above. Some people will pay a higher premium based on their modified adjusted gross income.

Your monthly premium will be higher if you file an individual tax return and your annual income is more than $80,000, or if you are married (file a joint tax return) and your annual income is more than $160,000.

If you meet these criteria, Social Security will use the income reported two years ago on your IRS income tax return to determine your premium (if unavailable, SSA will use income from three years ago). For example, the income reported on your 2005 tax return will be used to determine your monthly Part B premium in 2007. If your income has decreased since 2005, you can ask that the income from a more recent tax year be used to determine your premium, but you must meet certain criteria.

The charts below show the calendar year 2007 Part B monthly premium amounts based on income.

These amounts change each year. There may be a late-enrollment penalty.

You Pay	If Your Yearly Income is
	Single	Married Couple
$93.50	$80,000 or less	$160,000 or less
$105.80	$80,001-$100,000	$160,001-$200,000
$124.40	$100,001-$150,000	$200,001-$300,000
$142.90	$150,001-$200,000	$300,001-$400,000
$161.40	Above $200,000	Above $400,000

You Pay	If You Are Married but You File a Separate Tax Return From Your Spouse and Your Yearly Income is
$93.50	Under $80,000 or less
$142.90	$80,001-$120,000
$161.40	Above $120,000

Source

http://questions.medicare.gov/cgi-bin/medicare.cfg/php/enduser/std_adp.php?p_faqid=1979

http://questions.medicare.gov/cgi-bin/medicare.cfg/php/enduser/std_adp.php?p_faqid=1980

http://questions.medicare.gov/cgi-bin/medicare.cfg/php/enduser/std_adp.php?p_faqid=1847

http://www.cms.hhs.gov/apps/media/press/factsheet.asp?Counter=2488

http://www.cms.hhs.gov/apps/media/press/release.asp?Counter=1958

http://www.cms.hhs.gov/apps/media/press/factsheet.asp?Counter=3272

http://www.cms.hhs.gov/apps/media/press/factsheet.asp?Counter=3534

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