How Much Will Your Medicare Part B Premium Be?
The tables below show Part B premiums for 2022 by filing status and income level. The IRMAA is based on your reported adjusted gross income from two years ago. For 2022, your Part B premium may be as low as $170.10 or as high as $578.30. Data as of 2022.
| Filing Individual Tax Returns | Filing Joint Tax Returns | Total Monthly Part B Premium |
| $91,000 or less | $182,000 or less | $170.10 |
| $91,001 to $114,000 | $182,001 to $228,000 | $238.10 |
| $114,001 to $142,000 | $228,001 to $284,000 | $340.20 |
| $142,001 to $170,000 | $284,001 to $340,000 | $442.30 |
| $170,000 to $500,000 | $340,001 to $750,000 | $544.30 |
| $500,001 or more | $750,001 or more | $578.30 |
How much extra could you pay for Medicare Part D?
With Part D, the extra amount you pay is determined by Medicare based on your tax-reported income, but your total costs will depend on the Part D plan you have. Part D plans are only provided by private insurance companies, so premium amounts will vary. Data as of 2022.
| File Individual Tax Return | File Joint Tax Return | Your Part D Monthly Premium |
| $91,000 or less | $182,000 or less | Your plan’s premium |
| $91,001 to $114,000 | $182,001 to $228,000 | $12.40 + your plan premium |
| $114,001 to $142,000 | $228,001 to $284,000 | $32.10 + your plan premium |
| $142,001 to $170,000 | $284,001 to $340,000 | $51.70 + your plan premium |
| $170,000 to $500,000 | $340,001 to $750,000 | $71.30 + your plan premium |
| $500,001 or more | $750,001 or more | $77.90 + your plan premium |
Strategies like Protected IRA Plus Program and Insured Asset Conversion Trust can potentially reduce Medicare part B and D premiums.