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.

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.

• Use our 2016 Medicare Advantage Plan Finder to see plan premiums, deductibles, and features available in your service area.
• Use our 2015/2016 Medicare Advantage plan comparison to see annual changes for each Medicare Advantage plan

*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.

• Use our 2016 Part D Plan Finder to see plan premiums, deductibles, and features in your state.
• use our 2015/2016 Part D plan comparison to see annual changes for each Medicare Part D plan.
• Use our 2016 Medicare Advantage Plan Finder to see plan premiums, deductibles, and features in your area.
• use our 2015/2016 Medicare Advantage plan comparison to see annual changes for each Medicare Advantage plan.

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