Medicare Premiums and Deductibles for 2019

Last Updated : 10/31/20194 min read

Medicare deductibles often change from one year to the next. The same is true for other Medicare out-of-pocket costs, including:

  • Monthly premiums
  • Coinsurance and copayments for covered prescription drugs
  • Late enrollment penalties (if any apply to you)

Here’s a rundown on some of Medicare’s common out-of-pocket costs in 2019.

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Medicare deductibles in 2019

Here’s some information on Medicare deductibles in 2019.

  • Medicare Part A (hospital insurance): $1,364 for each benefit period. A benefit period starts when you’re admitted as an inpatient to a hospital or skilled nursing facility. It ends when you haven’t had care in either of those facilities for sixty  days in a row.
    Medicare Part B (medical insurance): $185 per year
  • Medicare Part C (Medicare Advantage): The annual deductible amount may vary from one plan to another. Medicare Advantage plans are available from private, Medicare-approved insurance companies.
  • Medicare Part D (prescription drug coverage): The annual deductible amount may vary from one plan to another, but it can’t be higher than $415 per year in 2019. Medicare prescription drug plans are available from private, Medicare-approved insurance companies.
  • Medicare Advantage deductibles decreased 13 percent but increased 5 percent for Part D plans in 2019, according to eHealth research. Average deductibles for Part D plans increased from $292 to $308.

Medicare premiums in 2019

Here’s some information on Medicare monthly premiums in 2019.

Medicare Part A: You might or might not have to pay a premium, depending on your work and tax history.

  • If you worked at least 10 years (40 quarters) while paying Medicare taxes, you typically don’t pay a monthly Part A premium.
  • If you worked 30-39 quarters while paying Medicare taxes, you’ll pay $240 per month.
  • If you worked fewer than 30 quarters while paying Medicare taxes, you’ll pay $437 per month.

Medicare Part B: Most people pay a monthly premium for Part B. The standard Part B premium in 2019 is $135.50. If your income is above a certain amount, you could pay more. If your income is below a certain amount, you might qualify for help with your Part B premium through a Medicare Savings Program.

Medicare Part C (Medicare Advantage): Premiums will vary among plans. Some Medicare Advantage plans charge as little as $0 per month for the premium. However, besides paying any premium the plan may charge, you’ll still need to keep paying your Medicare Part B premium as well.

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The average monthly premium for Medicare Advantage plans decreased from $12 to $8 between Q1 2018 and Q1 2019 according to eHealth research. The average monthly premium for Part D prescription drug plans decreased 4 percent, from $26 to $25.

Average Monthly Premium by Product

 

Source: Medicare 2019 Open Enrollment: Costs and Sentiments

Medicare Part D (prescription drug coverage): Premiums will vary among plans.

How much does Medicare cost in 2019?

Premiums and deductibles are just some of the costs you could pay under Medicare. You may also have coinsurance or copayments to pay for most covered services. Read about out-of-pocket costs under Medicare Part A and Part B.

Could a Medicare Supplement insurance plan pay some of your Medicare out-of-pocket costs?

Did you know that Medicare Supplement insurance can help pay your Medicare Part A and Part B out-of-pocket costs? There are up to ten standardized Medicare Supplement insurance plans in most states. Each plan has a different set of basic benefits, but all of them may cover your inpatient hospital costs for up to a year after your Medicare benefits run out. Learn more about Medicare Supplement insurance.

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The product and service descriptions, if any, provided on these Medicare.com web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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