How Much Does Medicare Part B Cost?

Published by: Medicare Made Clear

Medicare Part B covers doctor visits, lab tests, preventive screenings and other outpatient health care services. Part B costs include a monthly premium, an annual deductible and coinsurance for most services.



Medicare Part B Premium for 2021


In 2021, the standard Part B premium is $148.50 per month. Most people pay the standard premium amount. It’s either deducted from your Social Security check or you may pay Medicare directly, depending on your situation.


People with tax-reported incomes over $88,000 (single) and $176,000 (joint) must pay an income-related monthly adjustment amount (IRMAA). The table below shows Part B premiums for 2021 by filing status and income level. The IRMAA is based on your reported adjusted gross income from two years ago.

Filing Individual Tax Returns Filing Joint Tax Returns Total Monthly Part B Premium

$88,000 or less

$176,000 or less


Over $88,000
Up to $111,000

Over $176,000
Up to $222,000


Over $111,000
Up to $138,000

Over $222,000
Up to $276,000


Over $138,000
Up to $165,000

Over $276,000
Up to $330,000


Over $165,000
Less than $500,000

Over $330,000
Less than $750,000


$500,000 or more

$750,000 or more


Part B premiums for high-income beneficiaries who are married, lived with their spouse at any time during the taxable year, but who are filing separate are shown in the table below.

Married, Filing Separate Tax Returns Total Monthly Part B Premium

$88,000 or less


Over $88,000
Less than $412,000


$412,000 or more


Source for income and tax information above: Centers for Medicare and Medicaid Services



Medicare Part B Deductible


The Part B deductible for 2021 is $203. This is the amount you are responsible for paying before Part B starts helping to pay your health care costs, but it doesn’t apply to most Medicare-covered preventive care services.



Medicare Part B Coinsurance


Coinsurance is a cost-sharing term that means insurance pays a percentage and you pay a percentage. With Medicare Part B, you pay 20 percent of the cost for the services you use. So if your doctor charges $100 for a visit, then you are responsible for paying $20 and Part B pays $80.


There is no limit on Part B coinsurance costs, which could add up if you have a lot of doctor visits or need other services.


With a Medicare Advantage plan, your costs will be different and may include copays for doctor visits or other services. However, your out-of-pocket costs are limited to the annual plan maximum. Once you’ve paid that amount, the plan pays 100 percent for Medicare-covered services through the end of the year.


If Medicare costs are a concern, you may want to take advantage of financial protection and other benefits offered by Medicare Advantage plans.

Understand Medicare Cost Basics


Learn more about Medicare premiums, copayments, coinsurance, out-of-pocket limits and more.

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Medicare Made Clear


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