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2023 Medicare Cost Year Over Year Comparison

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2022 Medicare Cost and Changes

  • Medicare with Melissa

In this article, we discuss the 2022 Medicare cost and changes you need to be aware of. If you’re newly eligible for Medicare, or you’ve been on Medicare, this article is for you.  Every year, there are changes in Medicare that you need to be aware.  We do our best to keep you up to speed and in this article, we discuss the specifics of 2022 Medicare cost.

How much will Medicare cost in 2022?

Like everything, the cost of Medicare in 2022 has increased from 2021. What you pay for Medicare Part A, Medicare Part B and Medicare Part D can also vary from beneficiary to beneficiary depending on your income level (IRMMA).  Let’s dig deeper into the 2022 Medicare changes below. Medicare still pays 80% and you pay 20% for Part B services (after your Part B deductible has been satisfied).

What is the Medicare Premium for 2022?

There are two Medicare Premiums for 2022, your Medicare Part A Premium and Medicare Part B premium. Most people don’t pay a premium for Part A. In general, your Medicare premiums will be deducted automatically from your social security check. If you are delaying your social security benefits, then you can use alternative methods, such as Medicare Easy Pay.

Medicare Part A Premium 2022

Most Medicare beneficiaries are not aware there is a 2022 Medicare Part A Premium, simply because they get Part A for free (due to working 40 quarters and paying into Medicare).  

For those that don’t qualify for free Medicare Part A premium, and worked between 30-39 quarters, you can expect to pay $274/month (up from $259 in 2021). If you worked less than 30 quarters, your Medicare Part A Premium in 2022 will be $499/month (up from $471 in 2021)

Medicare Part B Premium 2022

Regardless of how long you’ve worked, all Medicare beneficiaries will pay a premium for Medicare Part B in 2022 (the only exception are beneficiaries also eligible for Medicaid).

The standard Medicare Part B Premium in 2022 is $170.10/month (that’s $21.60 more than what you paid in 2021).

Your cost for Medicare Part B could be more, based on your income (IRMMA).

What are the 2022 Medicare Deductibles?

Just as there are two different 2022 Medicare Premiums, there are also two different 2022 Medicare deductibles.  And, if you guessed Medicare Part A Deductible and Part B Deductible, then you would be correct. More Medicare changes 2022 below.

Medicare Part A Deductible 2022

The 2022 Medicare Part A deductible is $1,556 (up $72 from 2021) and is applicable per benefit period (a benefit period is 60 days).  In short, you could pay the deductible more than once per year, if you have more than one hospital visit 60 days apart from one another.

Medicare Part B Deductible 2022

Your 2022 Medicare Part B deductible is $233 (up $30 from 2021) and is a one-time annual deductible.  Your Part B benefits include coverage for your physicians, outpatient procedures, durable medical equipment and more.

2022 Medicare Costs at a glance (Medicare Changes 2022 )

2022 Medicare Premiums

  • Medicare Part A Premium: Free for most, or up to $499/month
  • Medicare Part B Premium: $170.10/month

2022 Medicare Deductibles

  • Medicare Part A Deductible: $1,556
  • Medicare Part B Deductible: $233

Now that we’ve reviewed some of the 2022 Medicare costs, lets review the Medicare benefits for 2022.

Medicare Benefits 2022

Have there been changes to 2022 Medicare Supplement Plans?

There have been subtle changes to out of pocket limits on plans K and L.  And the deductibles with the HD-G and HD-F plans have slightly increased.

  • Medicare Supplement Plan K out of pocket for 2022 is $6,620
  • Medicare Supplement Plan L out of pocket for 2022 is $3,310
  • Medigap Plan HD-F deductible for 2022 is $2,490
  • Medigap Plan HD-G deductible for 2022 is $2,490

2022 Medicare Advantage Plan Ratings

Medicare Advantage (Medicare Part C) plans, which usually combine A, B and D, are offered by private insurers meeting Medicare standards. Some also offer dental and vision care, among other benefits.

CMS assigns star ratings to each Medicare Advantage (MA) plan. Five is the highest ranking, and 1 is the lowest. CMS rates the plans based on care quality and the level of customer satisfaction. The ratings are subject to change annually.

2022 Medicare Advantage Premiums Reduced

Medicare Advantage (MA or MAPD) plan premiums decreased slightly in 2022. You can expect plans will cost, on average $19 per month, compared to $21.22 a month in 2021. Not only are more people expected to sign up for MA plans in 2022 than 2021, but more MA plans will also be available in the marketplace.

How to avoid or reduce the cost of Medicare in 2022

You can easily reduce or in some cases avoid these costs if you are enrolled in a Medicare Plan for 2022. All Medicare Supplement Plans (Expect plan A) cover the Part A deductible 100%. When you have a Medicare Advantage plan, cost can be significantly reduced, depending on the Medicare Advantage plan you have.

Getting Help Choosing a 2022 Medicare Plan

Whether you are new to Medicare or already have a plan, our friendly, licensed agents are here to help.  We are a family owned and operated business and have been helping Medicare beneficiaries since 2014.

All day, every day, we help Medicare beneficiaries with anything Medicare…and most importantly, we make it easy.  To get help, you can call, email or complete a form.  Our phone number is 866-MEDIGAP (633-4427).  Our email is and the form is at the top of this page “Request a Quote”

People Also Asked About: Medicare Part B Enrollment , Average Cost of Medigap Insurance, Why are some Medicare Advantage Plans Free?

People Also Read: Medicare Advantage Open Enrollment Period (MAOEP) Begins January 1st, 2022
Why am I seeing this post? Medicare changes 2022, 2022 Medicare Cost at a glance, Medicare benefits 2022, New Medicare benefits for 2022

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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