Why Is My Medicare Premium An Extra $471?

Toni:

My husband, John and I need your guidance because I believe I have made a mistake enrolling in Medicare.  Last year, John was laid off due to COVID-19 and has lost his employer health insurance and so I have enrolled in Medicare since I am turning 65 in August. John is a Veteran and is receiving his healthcare from the VA, so he did not have to enroll in Medicare and his healthcare is not costing us anything.

Why is my Medicare costing me an extra $471 for Medicare Part A and $148.50 for Medicare Part B?…