Not long ago, I had dinner with a group of friends from college. One of the big topics of conversation was Medicare, for which we’ll all be eligible in the next several years. (Farewell, callow youth!) And one of the biggest questions about Medicare was, “How much is it going to cost me?” Like private health insurance, Medicare has premiums, deductibles, and co-pays. These costs can – and often do – change from year to year. What you actually pay depends on your work history, income, and inflation.