2018 Medicare Costs
2018 F+ (High-Deductible Plan-F) deductible is $2,240 (an increase of only $40 from 2017)
|2017 & 2018 costs at a glance
|Part A premium
||Most people don't pay a monthly premium for Part A (sometimes called "premium-free Part A"). If you buy Part A, you'll pay up to $413 each month ($422 in 2018). If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $413 ($422 in 2018). If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $227 ($232 in 2018).
|Part A hospital inpatient deductible and coinsurance
- $1,316 deductible for each benefit period ($1,340 in 2018)
- Days 1-60: $0 coinsurance for each benefit period ($0 in 2018)
- Days 61-90: $329 coinsurance per day of each benefit period ($335 in 2018)
- Days 91 and beyond: $658 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime) ($670 in 2018)
- Beyond lifetime reserve days: all costs (all costs in 2018)
Part B premium
More Part B Info.
|The standard Part B premium amount is $134 (or higher depending on your income) ($134 in 2018). However, some people who get Social Security benefits will pay less than this amount ($109 on average in 2017; $130 on average in 2018).
|Part B deductible and coinsurance
||$183 per year ($183 in 2018). After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you're a hospital inpatient), outpatient therapy, and durable medical equipment.
|Part C premium
||The Part C monthly premium varies by plan. Compare costs for specific Part C plans.
|Part D premium
||The Part D monthly premium varies by plan (higher-income consumers may pay more). Compare costs for specific Part D plans.
The standard Part B premium amount in 2018 will be $134 (or higher depending on your income). However, some people who get Social Security benefits pay less than this amount ($130 on average). You'll pay the standard premium amount (or higher) if:
- You enroll in Part B for the first time in 2018.
- You don't get Social Security benefits.
- You're directly billed for your Part B premiums (meaning they aren't taken out of your Social Security benefits).
- You have Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount of $134.)
- Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount. If so, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
If you're in 1 of these 5 groups, here's what you'll pay:
|If your yearly income in 2016 (for what you pay in 2018) was
||You pay each month (in 2018)
|File individual tax return
||File joint tax return
||File married & separate tax return
|$85,000 or less
||$170,000 or less
||$85,000 or less
|above $85,000 up to $107,000
||above $170,000 up to $214,000
|above $107,000 up to $133,500
||above $214,000 up to $267,000
|above $133,500 up to $160,000
||above $267,000 up to $320,000
Get more information about your Part B premium from Social Security [PDF, 341 KB].
In most cases, if you don't sign up for Part B when you're first eligible, you'll have to pay a late enrollment penalty. You'll have to pay this penalty for as long as you have Part B. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn't sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B. Coverage will start July 1 of that year.
Learn more about the Part B late enrollment penalty.
Part B costs if you have Original Medicare
Part B annual deductible:
You pay $183 per year for your Part B deductible ($183 in 2018). After your deductible is met, you typically pay 20% of the Medicare-approved amount for these:
- Most doctor services (including most doctor services while you're a hospital inpatient)
- Outpatient therapy
- Durable medical equipment
You pay $0 for Medicare-approved services.
You pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you're a hospital inpatient), outpatient therapy, and durable medical equipment.
You pay a percentage of the Medicare-approved amount for each service you get from a doctor or certain other qualified mental health professionals if your health care professional accepts assignment. You also pay coinsurance for each day of partial hospitalization services provided in a hospital outpatient setting or community mental health center, and the Part B deductible applies.