2022 Medicare Part B Deductible
For 2022, the Medicare Part B Deductible is $233 (Deductible) and $170.10 (Standard premium).
Effective 2022-01-01Source: 2022 Medicare Parts A & B Premiums and Deductibles / 2022 Medicare Part D Income-Related Monthly Adjustment Amounts (CMS)Verified 2026-08-29
Compared with 2021
| Item | 2021 | 2022 | Change |
|---|---|---|---|
| Deductible | $203 | $233 | +$30 (+14.8%) |
| Standard premium | $148.50 | $170.10 | +$21.60 (+14.5%) |
Who it applies to
All Medicare Part B beneficiaries
What changed this year, and why
For 2022, the annual deductible for all Medicare Part B beneficiaries is $233, and the standard monthly premium for Medicare Part B enrollees is $170.10.
Common questions
- What is the Medicare Part B deductible for 2022?
- The annual deductible for all Medicare Part B beneficiaries is $233 for 2022.
- What is the standard monthly premium for Medicare Part B in 2022?
- The standard monthly premium for Medicare Part B enrollees is $170.10 for 2022.
What the Part B deductible applies to
Medicare Part B is the portion of Original Medicare that helps pay for medically necessary outpatient care. The annual Part B deductible of $233 applies to the services described in this CMS release - physician services, outpatient hospital services, certain home health services, durable medical equipment, and other medical and health services that Part A does not cover. Before Part B begins paying its share of these covered outpatient costs in a calendar year, the enrollee must first satisfy the $233 deductible out of pocket. Once the deductible is met, Part B generally pays its percentage share of the Medicare-approved amount, and the beneficiary is responsible for the remaining coinsurance. The deductible resets each calendar year, so an enrollee who meets it in January starts over the following January. The standard monthly Part B premium for 2022 is $170.10, though higher-income beneficiaries pay an additional income-related surcharge on top of that amount. Knowing which services fall under Part B helps beneficiaries understand when the deductible will apply and plan for the $233 annual out-of-pocket cost before coinsurance begins.
Medicare Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A.
2022 Medicare Parts A & B Premiums and Deductibles / 2022 Medicare Part D Income-Related Monthly Adjustment Amounts (CMS)
Part A has its own separate deductible
Medicare Part A and Part B are separate programs with separate deductibles. Part A covers inpatient hospital care, skilled nursing facility stays, hospice care, inpatient rehabilitation, and some home health care services. Because Part A and Part B cover different types of care, each has its own deductible that the beneficiary must satisfy independently. The Part B deductible of $233 applies to outpatient and physician services, not to hospital stays. When a beneficiary is admitted to a hospital, the Part A deductible applies instead, and the Part B deductible is not relevant to that inpatient episode. This separation means that a beneficiary who meets the Part B deductible for outpatient doctor visits has not satisfied any obligation toward the Part A deductible for a hospitalization, and vice versa. Each program has its own cost-sharing structure, its own benefit period rules, and its own annual amounts set by CMS. Understanding that these deductibles operate independently is essential for estimating out-of-pocket costs across different types of care.
Medicare Part A covers inpatient hospital, skilled nursing facility, hospice, inpatient rehabilitation, and some home health care services.
2022 Medicare Parts A & B Premiums and Deductibles / 2022 Medicare Part D Income-Related Monthly Adjustment Amounts (CMS)
Why most people pay no Part A premium
Most Medicare beneficiaries do not pay a monthly premium for Part A because of their work history. According to this CMS release, about 99 percent of Medicare beneficiaries have no Part A premium because they have accumulated at least 40 quarters of Medicare-covered employment during their working lives. This rule reflects the insurance model behind Medicare Part A: workers and their employers pay Medicare payroll taxes over their careers, and in return, those workers earn premium-free Part A hospital coverage when they become eligible for Medicare at age 65 or through disability. The 40 quarters represent the minimum amount of Medicare-covered employment needed to qualify for premium-free Part A. A small remaining percentage of beneficiaries who have fewer than 40 quarters of coverage may still enroll in Part A but must pay a monthly premium for it. The standard Part B premium for 2022 is $170.10, which applies separately regardless of Part A premium status. The 40-quarter threshold is a key eligibility milestone that determines whether a beneficiary receives Part A without a premium charge.
About 99 percent of Medicare beneficiaries do not have a Part A premium since they have at least 40 quarters of Medicare-covered employment.
2022 Medicare Parts A & B Premiums and Deductibles / 2022 Medicare Part D Income-Related Monthly Adjustment Amounts (CMS)
The Part A deductible is per benefit period, not per year
The Part A inpatient hospital deductible is calculated per benefit period rather than on a calendar-year or annual basis. A benefit period begins the day a beneficiary is admitted to a hospital and ends after 60 consecutive days without inpatient hospital or skilled nursing facility care. The deductible covers the beneficiary's share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. This means that if a beneficiary is hospitalized, pays the deductible, is discharged, and then has a gap of at least 60 days before a new hospitalization, a new benefit period begins and the deductible applies again. A beneficiary could therefore pay the Part A deductible more than once in a single calendar year if they have multiple separate hospitalizations with sufficient gaps between them. This is an important distinction from the Part B deductible of $233, which resets on a strict calendar-year basis. The benefit-period structure reflects the episodic nature of hospital care and means that beneficiaries with frequent or extended hospital stays may face the deductible multiple times in a year.
The Part A inpatient hospital deductible covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period.
2022 Medicare Parts A & B Premiums and Deductibles / 2022 Medicare Part D Income-Related Monthly Adjustment Amounts (CMS)
Married, living together, filing separately: the income surcharge jumps
Medicare beneficiaries who are married, lived with their spouse at any time during the taxable year, and file separate tax returns face a notably steep Income-Related Monthly Adjustment Amount on their Part B premium. While most married couples filing jointly do not encounter the surcharge until their combined modified adjusted gross income exceeds the threshold for married-filing-jointly status, those who are married and living together but choose to file separately are subject to the income surcharge at a much lower income level. Under this separate-filer schedule, the additional adjustment begins at a significantly lower modified adjusted gross income threshold and rises sharply through the brackets. For these filers, the income-related monthly adjustment amount increases from zero to a substantial surcharge even at moderate income levels, resulting in a much higher total monthly Part B premium compared to the standard $170.10 amount. This rule effectively discourages married, cohabiting couples from using separate filing status to avoid the high-income surcharge, since filing separately triggers the adjustment at an income level that would not be reached under the married-filing-jointly brackets.
Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses, with modified adjusted gross income:
2022 Medicare Parts A & B Premiums and Deductibles / 2022 Medicare Part D Income-Related Monthly Adjustment Amounts (CMS)
How each figure was verified
Each number below was read from a stored copy of the document named beside it, and checked to occur word for word in the quoted sentence. The digest is of that stored text.
- Deductible
The annual deductible for all Medicare Part B beneficiaries is $233 in 2022
The standard monthly premium for Medicare Part B enrollees will be $170.10 for 2022