2025 Medicare costs

Every year Medicare costs can change. Costs for the upcoming year are announced in the late fall, and the new costs go into effect January 1. For 2025, Medicare costs decreased for Medicare Part B, but increased for Part A.

The standard monthly Medicare Part B premium for 2025 is $185.00, which is an increase of $10.30 from $174.70 in 2023. Medicare Part B helps pay for doctor visits and outpatient care.

Most people will pay the standard Part B premium amount, but you could pay more based on your income. Medicare uses your reported income from two years ago to determine what you’ll pay. Medicare adds an income-related monthly adjustment amount (IRMAA) to Part B premiums for individuals with an adjusted gross income over $103,000and for couples with income over $206,000. High earners could pay up to $594.00 per month for Part B in 2025.

Other Part B costs include a deductible and coinsurance for those who have Original Medicare (Parts A & B). The 2025 Part B deductible is $257, an increase of $17 from the annual deductible of $240 in 2024.

The Medicare Part A deductible for 2025 is $1,676, an increase of $44 from $1,632 in 2024. A benefit period begins the day you’re admitted to the hospital and ends when you’ve been out for 60 days in a row. The deductible covers up to 60 days in the hospital. After that you pay daily coinsurance amounts.

For hospital stays:

• $0 for Days 1-60 of hospitalization
• $419 per day for Days 61-90 of hospitalization
• $838 per day for lifetime reserve days

For a skilled nursing facility:

• $0 for Days 1-20
• $209.50 per day for Days 21-100

Note: these amounts are per benefit period.

The Part A premium is only paid by individuals who worked less than 40 quarters with coverage. The Part A premiums for 2025 are as follows:

• $285 for individuals who had at least 30 quarters of coverage, or who are married to someone with 30 quarters of coverage
• $518 for certain uninsured individuals or with less than 30 quarters of coverage, and for people with disabilities who have exhausted other entitlement

Medicare Part A covers hospital and inpatient care.

If you have a Medicare Advantage plan (Part C), the Part A deductible and other Part A costs usually won’t apply. Each plan sets its own cost-sharing terms for hospitalizations. For example, you may have daily copays for a set number of days or a flat cost per hospitalization. After that, plans usually pay 100% of hospital costs. Check plan details for exact costs.