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Definition: What are the income limits for Medicare Part A?

Medicare Part A is a health insurance program provided by the federal government in the United States. It primarily covers hospital stays, skilled nursing facility care, hospice care, and some home health services. However, eligibility for Medicare Part A is based on several factors, including income limits.

Income Limits for Medicare Part A

The income limits for Medicare Part A are determined by the Social Security Administration (SSA) and are subject to change annually. These limits are based on the individual’s or couple’s modified adjusted gross income (MAGI), which includes taxable income and certain deductions.

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For most individuals, there are no income limits to qualify for Medicare Part A. If you or your spouse have paid Medicare taxes for at least 10 years (40 quarters) while working, you are generally eligible for premium-free Medicare Part A, regardless of your income.

However, if you have not paid Medicare taxes for the required period, you may still be eligible for Medicare Part A, but you may have to pay a monthly premium. The amount of the premium is determined by a sliding scale based on your income.

For individuals with higher incomes, the income limits for Medicare Part A premium determination are as follows:

• Individuals with a MAGI between $87,000 and $109,000, or married couples filing jointly with a MAGI between $174,000 and $218,000, will pay a higher premium than the standard premium.
• Individuals with a MAGI between $109,000 and $136,000, or married couples filing jointly with a MAGI between $218,000 and $272,000, will pay an even higher premium.
• Individuals with a MAGI above $136,000, or married couples filing jointly with a MAGI above $272,000, will pay the highest premium.

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It is important to note that these income limits apply only to Medicare Part A premiums and do not affect eligibility for other parts of Medicare, such as Part B or Part D.

If you are unsure about your eligibility or have questions about the income limits for Medicare Part A, it is recommended to contact the Social Security Administration or visit their official website for the most up-to-date information.

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