A: Those who enroll in Medicare Part C (Medicare Advantage, sold through private insurers) pay premiums in addition to the average $130/month that most enrollees pay for Part B in 2018. According to CMS data, the average Medicare Advantage premium in 2018 is $30/month, down nearly $2 from the year before.
But most Medicare Advantage plans include prescription drug (Part D) coverage, and those plans averaged $36/month in premiums in 2017.
Medicare Advantage premiums fall into a wide spectrum, depending on a variety of factors. And most Medicare Advantage enrollees (81 percent in 2017) have access to at least one zero-premium policy. Although these plans have higher out-of-pocket costs than plans with premiums, they make it possible for enrollees to have full coverage yet pay only the monthly premium for Medicare Part B.
And all Medicare Advantage plans have to cap enrollees’ out-of-pocket costs at no more than $6,700 in 2018, regardless of the premium.