2019 Medicare Costs

Each year, Medicare makes minor changes in its deductibles, co-insurance (80/20%), copayments and premiums. The amounts shown in this edition of Medicare Blueprint reflect 2017 amounts. Below are the most common changes for 2019.

Changes 2017 2018 2019
Part A premium (if not free) $413 $422 $437
Part B premium $134 $134 $135.50
Part A deductible $1,316 $1,340 $1,364
Part A – days 61-90 co-insurance $329 $335 $341
Part A – days 90-150 co-insurance $658 $670 $682
Part A – SNF days 20-100 co-insurance $164.50 $167.50 $170.50
Part B deductible $183 $183 $185
Part D deductible $400 $405 $415
Part D “donut hole” level starts $3,700 $3,750 $3,820
Part D “donut hole” level ends $4,950 $5,000 $5,100
Part D “donut hole” cost for generic Rx 51% of cost 44% of cost 37% of cost
Part D “donut hole” cost for brand Rx 41% of cost 35% of cost 25% of cost
Part D “catastrophic” level cost for generic Rx $3.30 $3.35 $3.40
Part D “catastrophic” level cost for brand Rx $8.30 or 5% $8.35 or 5% $8.50 or 5%
Part D National Base Beneficiary Premium $35.63 $35.02 $33.19
Part A premiums

If you buy Part A, you’ll pay up to $437 each month in 2019. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $437.

If you paid Medicare taxes for 30-39 quarters, the standard Part A premium is $240.

Part B Income Related Monthly Adjustment Amount (IRMAA)

Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount.
If so, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.

If you’re in 1 of these 5 groups, here’s what you’ll pay:

If your yearly income in 2017 (for what you pay in 2019) was
File individual tax return File joint tax return File married & separate tax return You pay each month (in 2019)
$85,000 or less $170,000 or less $85,000 or less $135.50
above $85,000 up to $107,000 above $170,000 up to $214,000 Not applicable $189.60
above $107,000 up to $133,500 above $214,000 up to $267,000 Not applicable $270.90
above $133,500 up to $160,000 above $267,000 up to $320,000 Not applicable $352.20
above $160,000 up to $500,000 above $320,000 up to $750,000 above $85,000 up to $415,000 $352.20
above $500,000 above $750,000 above $415,000 $460.50
Part D Income Related Monthly Adjustment Amount (IRMAA)

Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount.
If so, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.

The chart below shows your estimated prescription drug plan monthly premium based on your income as reported on your IRS tax return.

If your income is above a certain limit, you’ll pay an income-related monthly adjustment amount in addition to your plan premium 2019.

If your filing status and yearly income in 2017 was
File individual tax return File joint tax return File married & separate tax return You pay each month (in 2019)
$85,000 or less $170,000 or less $85,000 or less your plan premium
above $85,000 up to $107,000 above $170,000 up to $214,000 Not applicable $12.40 + your plan premium
above $107,000 up to $133,500 above $214,000 up to $267,000 Not applicable $31.90 + your plan premium
above $133,500 up to $160,000 above $267,000 up to $320,000 Not applicable $51.40 + your plan premium
above $160,000 up to $500,000 above $320,000 up to $750,000 above $85,000 up to $415,000 $70.90 + your plan premium
above $500,000 above $750,000 above $415,000 $77.40 + your plan premium