Medicare program costs go up almost every year. And 2022 is no exception. There are important cost changes to both your Original Medicare Part A (hospital insurance) and Medicare Part B (outpatient insurance) benefits that you need to know about.

How Much will Medicare Cost in 2022

What is the Medicare Part A Premium for 2022?

Most beneficiaries are fortunate enough that they don’t have to pay a monthly premium for Medicare Part A, so these changes won’t impact most Medicare beneficiaries.

But if you worked for less than 40 quarters during your employment years, you’ll likely have to buy into Part A and pay some sort of premium. The more quarters you worked and paid into the system, the less you’ll pay each month post-retirement.

Enrollees who worked between 30 and 39 quarters during your employment years, you’ll only have to pay a partial monthly premium of $274 for Medicare Part A in 2022. This is a $15 increase over the previous year’s $259 partial premium.

If you worked less than 30 quarters, you’ll have to pay the full premium, which will be $499. This is a $28 increase over the previous year’s $471 monthly premium.

What is the Medicare Part A Deductible for 2022?

The new annual deductible for your Medicare coverage hospital benefits is going to cost you $1,556. Keep in mind that you will pay your Part A deductible only once per benefit period, and you can experience more than one benefit period in a single calendar year.

Inpatient Hospital Benefit Period Out of Pockets Costs

If you are checked into a hospital facility for inpatient care, you will start what’s called a “benefit period”. Once you are discharged from a hospital or Skilled Nursing Facility (SNF), your benefit period expires 60 days later. If you have to be admitted for more inpatient care after that, a new benefit period starts.

The change in price for coinsurance, which you must pay in addition to your Part A deductible, is:

  • 0 – 60 days: $0
  • 61 – 90 days: $389 per day
  • 91 days and beyond: $778

Skilled Nursing Facility Copayments

If you require a temporary stay in a Skilled Nursing Facility, you’ll have to pay a daily coinsurance amount for your care. The first 20 days are free. On days 21-100, the copay will increase from $185.50 per day to $194.50 in 2022. Starting on day 101, you will pay for the full cost of your care until you are discharged.

What Will the Monthly Part B Premium be for Medicare in 2022?

In 2022, the standard monthly premium for Part B will be $170.10 per month. In 2021, the Medicare Part B premium was $148.50. That’s an annual premium increase of $21.60.

Those who have a higher gross income will have an income-related monthly adjustment amount. If you make more than $91,000 on your individual tax return or have a joint tax return of more than $182,000, your Part B premium will range between $238.10 and $587.30 depending on your income bracket.

How Much is the Part B Deductible for Medicare in 2022?

In 2022, that price will increase to $233. Previously, the deductible was $203. That’s a $30 annual increase.

What’s the Average Medicare Advantage Premium for 2022?

Medicare Advantage plans will be lower in 2022 at $19 per month, compared to $21.22 in 2021. Keep in mind that this number is a rough average, and doesn’t include the regional pricing or additional medical benefits which some recipients choose to add to their Medicare Advantage Part C plans.

Value-Based Insurance Design

The 2022 Advantage plan providers are partnering with to provide “Value-Based Insurance Design” (VBID) plans in 2022.

These VBID models will let just short of 4 million enrollees test-drive a customized health care insurance plan tailored to their specific medical needs based on their health history and unique, present-day health issues. These plans also address important needs like food security and regular socialization.

Many plans across 22 states and US territories will also offer a Hospice Benefit Component, increasing the number of Medicare beneficiaries who will get the palliative and integrated hospice care they need to be covered by their health insurance.

Supplemental Benefits for Chronically Ill

In 2022, 25% of all Medicare Advantage plans will offer special supplement benefits for the chronically ill. This is a massive jump from 19%, which was the percentage of Medicare Advantage plans offering these benefits in 2021.

What’s the Average Medicare Part D Premium for 2022?

The bad news is your prescription drug plan premiums will increase in 2022. The average premium cost was $31.47 in 2021. Thankfully, though, 2022 premiums will only be $33 per month on average, which is a manageable increase for the vast majority of beneficiaries.

How Much is the Part D Deductible for Medicare in 2022?

Part D plans have their own individual deductibles but are limited to a certain amount. In 2022, the highest deductible a Part D plan can have is $480.

Part D Senior Savings Model

The Centers for Medicare & Medicaid Services will continue testing out the Part D Senior Savings Model in 2022. This model drastically slashes the price of certain brands of insulin for qualifying Medicare recipients.

For 2022, 500 new plans for either Medicare Advantage or Medicare Part D recipients will join the already 2,100 plans available with the discounted insulin.

On top of that, two more insulin manufacturers will be providing the drug at a reduced cost, increasing the available supply for those who need it.

How Much is the Deductible for High Deductible Medigap Plans F & G in 2022?

Deductibles for these supplement insurance plans, which offer beneficiaries low monthly premiums in exchange for a higher deductible, were $2,370 in 2021. For 2022, however, the new deductible will be $2,490. That’s a $120 increase.


How much will the cost of Medicare go up in 2022?

In 2022, the Medicare Part B annual deductible will increase from $203 to $233 and the monthly premium will increase from $148.50 to $170.10.

If you worked and paid Medicare taxes for 40 quarters or more, your Medicare Part A monthly premiums will still be free.

Monthly premiums for Medicare Part A recipients who paid Medicare taxes for 30-39 quarters before retirement will increase from $259 to $274.

For recipients who paid Medicare taxes for fewer than 30 quarters before retirement, the full monthly premium will increase from $471 to $499.

What’s the average premium for Medicare Advantage in 2022?

The average Medicare Advantage premium will increase from $19 per month to $21.22 per month. Keep in mind this is an average estimate and may not reflect your own personal needs and/or costs.

What’s the average premium for Medicare Part D prescription drug plans in 2022?

The average Medicare Part D prescription drug plan premium is expected to increase from $31.47 to $33 per month. Again, keep in mind that this is average and may not reflect your unique situation.

What is the high deductible amount for Medigap Plans F & G in 2022?

The high deductible cost for Medigap Plans F and G will jump from $2,370 in 2021 to $2,490 in 2022.

How to Get Help with Your Medicare Costs in 2022

If you still have a question that isn’t answered above, feel free to reach out and contact us. We’re here to help. You can get a rate quote for plans in your area by filling out our online form.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.