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Medicare Premium Levels
Medicare Premium Levels

This article describes the Medicare Premium levels in the Medicare Estimator

Nancy Gates avatar
Written by Nancy Gates
Updated over a week ago

Original Medicare Part B

Premiums are based upon your AGI. See the IRMAA report for more information.

Medicare Part B does not have premium levels.

Medicare Part B plans do not include Medicare drug coverage (Part D).

Select a premium level based upon the type of health care services you need and how often you get them.

Medicare Advantage Plans

With a Medicare Advantage plan you still have to pay the Part B premium. Some plans may have a $0 premium and may help pay all or part of your Part B premium. Most plans include Medicare drug coverage (Part D).

Medicare Advantage Plan Premiums

  • Are initially based on your age when you buy the policy and increase as you get older.

  • Can also vary based on gender, health status, location, and insurance company rates.

  • Plans with more coverage usually have higher premiums than plans with less coverage.

  • Plans with high deductibles usually have lower premiums than standard plans, but you'll pay a higher deductible before your coverage starts.

  • Select a premium level based upon the type of health care service/facility you prefer and whether you prefer a higher or lower deductible.

Medigap/Supplement Plans

With a Medigap plan you still have to pay the Part B premium. Plans do not help pay all or part of your Part B premium. Plans do not include Medicare drug coverage (Part D).
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Medigap/Supplement Plan Premiums

  • Are initially based on your age when you buy the policy and increase as you get older.

  • Can also vary based on gender, health status, location, and insurance company rates.

  • Plans with more coverage usually have higher premiums than plans with less coverage.

  • Plans with high deductibles usually have lower premiums than standard plans, but you'll pay a higher deductible before your coverage starts.

  • Select a premium level based upon the type of health care service/facility you prefer and whether you prefer a higher or lower deductible.


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