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Is there really a premium for Medicare Part A hospital insurance? Is it a ghostly specter looming over my healthcare budget?
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For most people, Medicare Part A hospital insurance is premium-free if they or their spouse have worked and paid Medicare taxes for at least ten years (equivalent to 40 quarters). This is known as having “earned” premium-free Part A.
However, if an individual has not earned premium-free Part A through their work history, they may have to pay a premium if they choose to enroll. The premium amount depends on the number of quarters they have worked (or their spouse) and ranges from $0 to a specified monthly amount, which is subject to change annually.
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