Medicare Premiums, Deductibles, and Copays Change for 2020

Here are the new numbers for Medicare premiums, deductibles, and copays for 2020.

Part A Costs

Most people don't pay a monthly premium for Medicare Part A (hospital insurance). But if you have to pay for Part A because you or your spouse don't have a long enough work history, you'll pay between $252 (for 30-39 work credits) and $458 (for fewer than 30 work credits).

In 2020, you’ll also pay a $1,408 deductible for each benefit period in which you use hospital or skilled nursing inpatient care, in addition to the following copays.

  • Hospital days 61-90: $352 coinsurance per day of each benefit period
  • Hospital days 91 and beyond: $704 coinsurance per each lifetime reserve day for each benefit period
  • Skilled nursing days 21-100: $176 coinsurance per day of each benefit period.

Part B Costs

The standard Medicare Part B premium is $144.60 per month in 2020. But some people who were enrolled in Medicare in 2020 or earlier will pay slightly less (about $135 per month) because of a hold harmless provision that doesn't allow Social Security payments to be reduced from year to year for Medicare premiums.

If you first enroll in Medicare Part B during 2020, or you are not collecting Social Security benefits, your premium will be $144.60 per month. Also, if your adjusted gross income is over $87,000 (or $177,000 for a couple), the monthly premium is higher. These premiums have increased for 2020, as follows:

Yearly Income

Monthly Premium

single, $87,001–$109,000

$202.40

married, $174,001–$218,000

$202.40

single, $109,001–$136,000

$289.20

married, $218,001–$272,000

$289.20

single, $136,001–$163,000

$376.00

married, $272,001–$326,000

$376.00

single, $163,001–$500,000

$462.70

married, $326,000–$750,000

$462.70

single, more than $500,000

$491.60

married, more than $750,000

$491.60

The Part B deductible for 2020 increases slightly to $198 per year.

The caps on the following Part B services for 2020 remain have increased, though if your therapist tells Medicare that more care is medically necessary and Medicare approves, you can go over the caps:

  • outpatient physical therapy and speech-language pathology combined: $2,040
  • occupational therapy: $2,040.

Part D Costs

Part D premiums vary depending on the plan you choose, with an average of $33. The maximum Part D deductible for 2020 is $435 per year (though some plans waive the deductible completely).

Also, if your adjusted gross income is over $87,000 (or $174,000 for a couple), you will pay a monthly adjustment amount to Medicare in addition to your monthly Part D premium. Here are the Part D additional amounts for individuals making over $87,000 and married couples making over $174,000:

Yearly Income

Monthly Surcharge

single, $87,001–$109,000

$12.20

married, $174,001–$218,000

$12.20

single, $109,001–$136,000

$31.50

married, $218,001–$272,000

$31.50
single, $136,001–$163,000 $50.70

married, $272,001–$326,000

$50.70

single, $163,001–$500,000

$70.00
married, $326,000–$750,000 $70.00

single, more than $500,000

$76.40

married, more than $750,000

$76.40


The donut hole (coverage gap) for Part D has changed for 2020. You no longer have to pay the full amount of your drug costs while in the donut hole. Once your total yearly drug expense reaches $4,020 (and until your total out-of- pocket costs reach $6,350), you must pay 25% of your drug costs for both brand name and generic drugs. When you are on the other side of the donut hole, you pay 5%, or $3.60 for generics and $8.95 for brand name drugs, whichever is greater.

There are subsidies available to pay for Part D for those with low income (called Extra Help). See Nolo’s article on Extra Help for Part D for more information.

Effective date: Jan 01, 2020