Robert Bache, MedicareBob provides Medicare cost updates for 2023.

A four-story building with first aid icon representing a hospital
Part A (Hospital Insurance) costs
Part A costs: What you pay in 2022:
Premium
$0 for most people (because they or a spouse paid Medicare taxes long enough while working - generally at least 10 years). If you get Medicare earlier than age 65, you won’t pay a Part A premium. This is sometimes called “premium-free Part A.”

Do I qualify for premium-free Part A?

If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $274 or $499 each month for Part A ($278 or $506 in 2023), depending on how long you or your spouse worked and paid Medicare taxes.

Remember:

You also have to sign up for Part B to buy Part A. Learn more about how Medicare works.
If you don’t buy Part A when you’re first eligible for Medicare (usually when you turn 65), you might pay a penalty. Find out more about how to avoid the Part A penalty.
Deductible
$1,556 ($1,600 in 2023) for each inpatient hospital benefit period, before Original Medicare starts to pay.

There’s no limit to the number of benefit periods you can have in a year. This means you may pay the deductible more than once in a year. How do benefit periods work?

Inpatient stay
Days 1-60: $0 after you pay your Part A deductible.
Days 61-90: $389 copayment each day ($400 in 2023).
Days 91-150: $778 copayment each day while using your 60 lifetime reserve days ($800 in 2023).
After day 150: You pay all costs.
What's not covered?

What will I pay if I get mental health services as an inpatient?

Skilled nursing facility stay
Days 1-20: $0 copayment.
Days 21-100: $194.50 copayment each day ($200 in 2023).
Days 101 and beyond: You pay all costs.
Home health care
$0 for covered home health care services.

20% of the Medicare-approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
Hospice care
$0 for covered hospice care services.

You may also pay:

A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you're at home.
What if my hospice care doesn't pay for my drug?
5% of the Medicare-approved amount for inpatient respite care.
What's not covered?


A stethoscope representing a person getting a checkup from a health care provider
Part B (Medical Insurance) costs
Part B costs: What you pay in 2022:
Premium

$170.10 each month ($164.90 in 2023) (or higher depending on your income). The amount can change each year. You’ll pay the premium each month, even if you don’t get any Part B-covered services.

Who pays a higher Part B premium because of income?

You might pay a monthly penalty if you don’t sign up for Part B when you’re first eligible for Medicare (usually when you turn 65). You’ll pay the penalty for as long as you have Part B. The penalty goes up the longer you wait to sign up. Find out how the Part B penalty works and how to avoid it.

Deductible
$233 ($226 in 2023), before Original Medicare starts to pay. You pay this deductible once each year.

General costs for services (coinsurance) Usually 20% of the cost for each Medicare-covered service or item after you’ve paid your deductible (and as long as your doctor or health care provider accepts the Medicare-approved amount as full payment – called “accepting assignment”). Find out how assignment affects what you pay.
Clinical laboratory services $0 for covered clinical laboratory services.
Home health care
$0 for covered home health care services.
20% of the Medicare-approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment).
Inpatient hospital care 20% of the Medicare-approved amount for most doctor services while you’re a hospital inpatient.
Outpatient mental health care
$0 for your yearly depression screening.
20% of the Medicare-approved amount for visits to your doctor or other health care provider to diagnose or treat your condition.
If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional amount to the hospital.