How Much Will I Have To Pay For Medicare? 
Medicare Part A is generally premium-free for most individuals -LRB- you 've been paying FICA taxes for 10 years/40 quarters of your working life -RRB- . If you do n't qualify for premium-free Part A , you would need to pay a premium - up to $ 426 per month . Medicare Part B requires a monthly premium - $ 104.90 per month . You may be required to pay a higher monthly premium if you fall into a higher income bracket -LRB- starting at above $ 85,000 for those that are single and above $ 170,000 for those married filing jointly -RRB- . Original Medicare covers approximately 80 % of health care expenses , plus youalso have deductible for both Medicare Parts A & B. I would recommend adding a Medicare supplement -LRB- Medigap -RRB- plan to cover the deductibles and remaining 20 % of expenses you 're responsible for . Medigap plans are sold by private insurance companies - an agent or broker can help find one that 's suitable to your needs and budget . Plan F is the most comprehensive , however , if your doctor accepts Medicare and assignment , a Plan N can be very competitive . 