The Medicare Part B monthly premium for a beneficiary with higher income is:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medicare Part B premiums are not flat across the population. Beneficiaries whose modified adjusted gross income exceeds certain thresholds pay the standard Part B premium plus an income-related monthly adjustment amount, IRMAA, so higher-income individuals pay more than the base premium. The additional amount is calculated from the most recent federal tax return and is applied at defined income brackets that are adjusted annually. This income-tested premium structure is a distinct exam point within the Part B rules, which otherwise feature the annual deductible and the 80/20 coinsurance split.
Why the other options are wrong
- B) The income adjustment increases the premium for higher earners. There is no discount or reward for high income in the Part B premium structure.
- C) The premium varies by income tier. Only beneficiaries at or below the base income threshold pay the standard amount; those above it pay the standard premium plus IRMAA.
- D) High income triggers an additional charge, not a waiver. The premium is never eliminated by wealth; higher earners simply pay more.
Memory hook
IRMAA = income tax on Part B: earn more, pay more on top of the standard premium.