Most people do not pay a premium for Medicare Part A because they or their spouse paid Medicare taxes for at least 10 years (40 quarters). In 2026, people with 30-39 quarters of Medicare taxes pay $285/month. People with fewer than 30 quarters pay $518/month.
Key Points
- Most people: no Part A premium (40+ quarters of Medicare taxes)
- 30-39 quarters: $285/month Part A premium
- Fewer than 30 quarters: $518/month Part A premium
- Spouses can qualify based on their spouse's work history
- An independent agent can help you understand Part A premium costs