Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Medicare Part B monthly premiums:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Most beneficiaries pay the standard Part B premium, but higher-income beneficiaries pay an income-related monthly adjustment amount (IRMAA) on top of the standard premium. IRMAA is determined from the most recent federal income tax return and applies at several income tiers. The premium structure means Part B costs vary by income, which is a tested detail of Part B financing. Nearly all beneficiaries pay a Part B premium, including those in Medicare Advantage plans, who must also pay the Part B premium.
Why the other options are wrong
- B) IRMAA makes Part B premiums vary by income; they are not identical for all beneficiaries.
- C) Medicare Advantage enrollees still pay the Part B premium; MA plans do not waive it.
- D) Part B premiums are the beneficiary's responsibility; employers do not pay them, though employer plans may reimburse retirees.
Memory hook
Higher income, higher IRMAA. Part B's bill climbs the tax-return ladder.