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Medicare Part A and Part B Premium & Deductible Archives 2016


2016 Part A (Hospital) Monthly Premium & Deductible

You usually don’t pay a monthly Premium for Part A coverage if you or your spouse paid Medicare taxes while working. If you aren’t eligible for premium-free Part A, you may be able to buy Part A if you meet one of the following conditions:
  • You’re 65 or older, and you have (or are enrolling in) Part B and meet the citizenship and residency requirements.
  • You’re under 65, disabled, and your premium-free Part A coverage ended because you returned to work. (If you’re under 65 and disabled, you can continue to get premium-free Part A for up to 8 1/2 years after you return to work.)
The 2016 Medicare Part A premium for those who are not eligible for premium free Medicare Part A is $411.

The Medicare Part A deductible for all Medicare beneficiaries is $1,288.

If you aren’t eligible for premium-free Part A, you may be able to buy Part A if you meet one of the following conditions:
  • You’re 65 or older, and you have (or are enrolling in) Part B and meet the citizenship and residency requirements.
  • You’re under 65, disabled, and your premium-free Part A coverage ended because you returned to work. (If you’re under 65 and disabled, you can continue to get premium-free Part A for up to 8 1/2 years after you return to work.)



2016 Part B (Medical) Monthly Premium & Deductible

2016 Part B Deductible
The annual deductible for all Part B beneficiaries is $166 for 2016, an increase of $19 from the 2015 Part B annual deductible of $147.

2016 Part B Premium
As the Social Security Administration previously announced, there will no Social Security cost of living increase for 2016. As a result, by law, most people with Medicare Part B will be "held harmless" from any increase in premiums in 2016 and will pay the same monthly premium as last year, which is $104.90. Beneficiaries not subject to the "hold harmless" provision will pay $121.80. Medicare Part B beneficiaries not subject to the "hold harmless" provision are:
  • those not collecting Social Security benefits,
  • those who will enroll in Part B for the first time in 2016,
  • dual eligible beneficiaries who have their premiums paid by Medicaid, and
  • beneficiaries who pay an additional income-related premium.
These groups account for about 30 percent of the 52 million Americans expected to be enrolled in Medicare Part B in 2016.

Since 2007, beneficiaries with higher incomes have paid higher Part B monthly premiums. These income-related monthly adjustment amount (IRMAA) affect fewer than 5 percent of people with Medicare. To learn more, see our article: Roughly a 3% increase in the 2016 Income Related Medicare Adjustment Amounts (IRMAA) for Medicare beneficiaries with higher annual incomes.

The IRMAA, additional amounts, and total Part B premiums for high income beneficiaries for 2016 are shown in the following table. The "You Pay" column includes the IRMAA amount.

If Your Yearly Income Is    
File Individual Tax Return File Joint Tax Return IRMAA You Pay
Less than or equal to $85,000 and you are subject to "hold harmless" Less than or equal to $170,000 and you are subject to "hold harmless" $0.00 $104.90*
Less than or equal to $85,000 and you are NOT subject to "hold harmless" Less than or equal to $170,000 and you are NOT subject to "hold harmless" $0.00 $121.80*
$85,001 - $107,000 $170,000 - $214,000 $48.70 $170.50*
$107,001 - $160,000 $214,000 - $320,000 $121.80 $243.60*
$160,001 - $214,000 $320,000 - $428,000 $194.90 $316.70*
Greater than $214,000 Greater than $428,000 $268.00 $389.80*

*If you pay a late-enrollment Penalty, this amount is higher.

You can read more about the 2016 Medicare Part A & B premiums and deductibles in our article: CMS Press Release: 70% of Medicare beneficiaries will see no change in their 2016 Medicare Part B premiums, but all Medicare beneficiaries will have an increased Medicare Part A and Medicare Part B deductible.




2016 Part C (Medicare Advantage) Monthly Premium

Medicare Advantage plan premiums*, deductibles, and benefits will depend on the Medicare Advantage plans available in your service area (county or ZIP code). Along with your Medicare Advantage plan premium, you must continue to pay your Part B premium (and Part A premium if you do not receive your Medicare Part A coverage premium-free).

The 2016 Medicare Advantage plan premiums range from $0 to $388.


*If you pay a late-enrollment Penalty, your monthly premium is higher.


2016 Part D (Medicare Prescription Drug Plan) Monthly Premium & Deductible

Medicare Prescription Drug Plan (Part D) premiums*, deductibles, and benefits vary by plan and state. Remember that you can receive Part D prescription drug coverage from a stand-alone Medicare Part D plan (PDP) or a Medicare Advantage plan that includes drug coverage (MAPD).

The 2016 Part D plan premiums range from $6 to $175.

The 2016 standard Part D plan deductible is $360, however the actual plan deductible can be anywhere from $0 to $360.


*If you pay a late-enrollment Penalty, this amount is higher.

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Tips & Disclaimers
  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
  • Medicare has neither reviewed nor endorsed the information on our site.
  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.
  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDP-Compare.com and MA-Compare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.