Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Which statement about the Medicare Part B monthly premium is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
All Part B enrollees pay a monthly premium, but the amount is income-related. Higher-income beneficiaries pay an income-related monthly adjustment amount (IRMAA) in addition to the standard premium, while most beneficiaries pay the standard premium. The surcharge is determined from the beneficiary's most recent tax return and applies at higher modified adjusted gross income thresholds. Part B therefore is not free and is not a flat premium for everyone.
Why the other options are wrong
- A) Part B premiums vary by income; higher earners pay an income-related adjustment on top of the standard premium.
- C) Everyone enrolled in Part B pays a premium; there is no blanket waiver at age 65, though some low-income programs may assist.
- D) Part B premiums are paid by the beneficiary, with most people having the amount deducted from their Social Security benefits.
Memory hook
Part B: everyone pays, but the wealthy pay more. IRMAA = the income surcharge on the premium.