Medicare Part A Costs in 2022

The Centers for Medicare & Medicaid Services has announced Medicare costs for 2022. Everyone, regardless of their income, will be subjected to increases in out-of-pocket spending. Use these numbers to guide your healthcare expenses in the new year.

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Part A Premiums

Medicare Part A is premium-free for 99% of Americans. This is because most people have paid into the system for years with employee taxes for both Medicare and Social Security. If someone has not contributed 40 quarters (10 years) or more of Medicare taxes, however, they will be required to pay premiums for Medicare as follows:

2022 Part A Premiums
Quarters of Medicare Taxes Paid Your 2022 Costs Change from 2021
40 quarters or more $0 per month No change
30-39 quarters $274 per month ($3,288 per year) $15 increase per month ($180 increase per year)
Less than 30 quarters $499 per month ($5,988 per year) $28 increase per month ($336 increase per year)

It is in your best interest to work up to 40 quarters if possible. This could mean delaying your retirement until you have met enough quarters of federally taxed employment.

If you work 40 or more quarters, it could save you tens of thousands of dollars in Part A premiums over your lifetime. This could have a significant impact on your ability to retire comfortably.

The good news is that if you have not worked 40 quarters yourself, you may qualify for free Part A premiums based on your spouse’s employment history. This applies as long as you are married or you remain single after divorcing someone you were married to for at least 10 years.

You may be eligible to use your spouse’s record if you are widowed too. The only rule is that you remain single and were married to your spouse for at least nine months before they passed away. The rules for ​people who remarry can get a little tricky.

Please note that any money you earn “under the table” will not count toward your eligibility for free Part A premiums since there are no documented taxes.

Part A Deductibles, Copayments, and Inpatient Hospital Stays

Hospital costs and skilled nursing facility costs, not surprisingly, are on the rise. According to the statistics from the latest Kaiser State Health Facts survey, including data from all 50 states and the District of Columbia, each day someone was hospitalized as an inpatient in 2019 cost $2,372 in a state/local government hospital, $2,738 in a non-profit hospital, and $2,149 in a for-profit hospital.

Medicare Part A charges you a flat deductible for each inpatient hospital admission. This includes coverage for​ Inpatient Only surgeries.

This deductible covers all costs up to 60 days, with the exception of physician fees which are covered by Part B. After 60 days, you are charged a copayment for each additional day you are hospitalized.

2022 Part A Inpatient Hospital Stay Costs
Day of Inpatient Hospital Care Your 2022 Costs Change from 2021
Inpatient hospital deductible days 0-60 $1,556 per hospital stay $72 total increase
Inpatient hospital copayment days 61-90 $389 per day $18 increase per day
Inpatient hospital copayment days 91+ $778 per day $36 increase per day

Part A Deductibles, Copayments, and Skilled Nursing Facility Stays

Many people will require health care after hospitalization too. If care cannot be safely performed at home, they may require placement in a skilled nursing facility (SNF).

In 2020, the average rate for a semi-private room in a nursing facility was $255 per day ($7,756 per month). For a private room, the cost went up to $290 per day ($8,821 per month). That’s $93,075 and $105,850 per year, respectively.

If you live in Alaska, Connecticut, Hawaii, Massachusetts, or New York, expect to pay more. These are the most expensive states for nursing home care in the country (based on the cost of a private room).

Medicare Part A covers the first 20 days of care received at a skilled nursing facility stay immediately following an inpatient hospital stay at no cost to you. Things can get tricky here because some people are placed under observation rather than admitted as an inpatient. Simply staying overnight in the hospital does not make you an inpatient.

2022 Part A Skilled Nursing Facility (SNF) Costs
Day of SNF Care Your 2022 Costs Change from 2021
SNF days 0-20 $0 No change
SNF days 21-100 $194.50 per day $9 increase per day
SNF days 100+ All costs paid out of pocket by beneficiary No change

The bad news is that Medicare does not pay for care that is not associated with a hospital stay. People in need of long-term care will need to find another way to pay for a nursing home. For that reason, many seniors also need to sign up for Medicaid.

A Word from Verywell

If you are lucky, you will never need to use Medicare Part A. You would never need hospitalization, you would never need a skilled nursing facility, and you would never need hospice care. Ultimately, though, it is important to have this coverage should you ever need it and to know how much it would cost.

5 Sources
Verywell Health uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. Centers for Medicare & Medicaid Services. Part A costs.

  2. Kaiser Family Foundation. Hospital adjusted expenses per inpatient day by ownership.

  3. Genworth Financial. Cost of care survey 2020.

  4. Genworth Financial. Genworth cost of care survey: ranked state data tables.

  5. Centers for Medicare & Medicaid Services. Skilled nursing facility (SNF) care.

By Tanya Feke, MD
Tanya Feke, MD, is a board-certified family physician, patient advocate and best-selling author of "Medicare Essentials: A Physician Insider Explains the Fine Print."