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===Premiums=== Most Medicare enrollees do not pay a monthly Part A premium, because they (or a spouse) have had 40 or more 3-month quarters in which they paid [[Federal Insurance Contributions Act]] taxes. The benefit is the same no matter how much or how little the beneficiary paid as long as the minimum number of quarters is reached. Medicare-eligible persons who do not have 40 or more quarters of Medicare-covered employment may buy into Part A for an annual adjusted monthly premium of: * $248.00 per month (as of 2012)<ref name="healthharbor1">{{cite web |title=Medicare: Big Changes for 2011 |url=http://www.healthharbor.com/medicare/2011-medicare-changes |url-status=dead |archive-url=https://web.archive.org/web/20110523085102/http://www.healthharbor.com/medicare/2011-medicare-changes |archive-date=May 23, 2011 |access-date=January 27, 2011}}</ref> for those with 30β39 quarters of Medicare-covered employment, or * $451.00 per month (as of 2012)<ref name="healthharbor1"/> for those with fewer than 30 quarters of Medicare-covered employment and who are not otherwise eligible for premium-free Part A coverage.<ref>[http://questions.medicare.gov/app/answers/detail/a_id/2305 Medicare premiums and coinsurance rates for 2011], {{webarchive|url=https://web.archive.org/web/20111015004424/http://questions.medicare.gov/app/answers/detail/a_id/2305|date=October 15, 2011}}, FAQ, Medicare.gov (11/05/2010).</ref> Most Medicare Part B enrollees pay an [[insurance premium]] for this coverage; the standard Part B premium for 2019 is $135.50 a month. A new income-based premium surtax [[Model (abstract)|schema]] has been in effect since 2007, wherein Part B premiums are higher for beneficiaries with incomes exceeding $85,000 for individuals or $170,000 for married couples. Depending on the extent to which beneficiary earnings exceed the base income, these higher Part B premiums are from 30% to 70% higher with the highest premium paid by individuals earning more than $214,000, or married couples earning more than $428,000.<ref name="2012 Medicare & You">2012 Medicare & You handbook, Centers for Medicare & Medicaid Services.</ref> This extra amount is called the Income Related Monthly Adjustment Amount (IRMAA).
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