Medicare Part A Costs in 2025
Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health services. Here’s what you need to know about its costs:
Medicare Part A Premiums
- $0 per month for most people (if you’ve worked and paid Medicare taxes for at least 10 years).
- If you haven’t met that work requirement, Part A costs up to $505 per month in 2025.
Medicare Part A Deductible & Coinsurance
- Inpatient Hospital Deductible: $1,676 per benefit period (not annually—each hospital stay starts a new benefit period after 60 days).
- Hospital Stay Costs:
- Days 1–60: $0 per day.
- Days 61–90: $419 per day.
- Days 91–150 (Lifetime Reserve Days): $838 per day (you have a total of 60 lifetime reserve days).
- Skilled Nursing Facility Costs:
- Days 1–20: $0 per day.
- Days 21–100: $209.50 per day.
- After Day 100: You pay all costs.
If you have a Medicare Supplement (Medigap) plan, it can cover many of these out-of-pocket expenses, giving you added financial protection.
Medicare Part B Costs in 2025
Medicare Part B covers doctor visits, outpatient services, preventive care, and durable medical equipment. Here’s what you’ll pay:
Medicare Part B Monthly Premium
- $185.00 per month for most beneficiaries.
- Your premium may be higher if your income is above a certain threshold (we’ll cover this in the IRMAA section below).
Medicare Part B Deductible & Coinsurance
- Annual Deductible: $257 in 2025.
- After meeting the deductible, you pay 20% of Medicare-approved costs for most services (Medicare covers the remaining 80%).
Medicare Part D Costs in 2025
Medicare Part D helps cover prescription drug costs. Part D plans are offered by private insurance companies and costs vary by plan and provider.
Part D Premiums & IRMAA Adjustments
- Standard Part D premiums vary by plan but average between $30–$80 per month.
- Higher-income beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of their plan premium.
Understanding IRMAA in 2025 (Income-Related Monthly Adjustment Amount)
IRMAA applies to Medicare Part B and Part D for individuals with higher incomes. Your IRMAA amount is based on your Modified Adjusted Gross Income (MAGI) from two years prior (2023 tax return for 2025] costs).
IRMAA Thresholds for 2025
If your 2023 income was above $106,000 (individual) or $212,000 (married filing jointly), you’ll pay extra for Part B and Part D. Here’s how much:
| Income (Single) | Income (Married Filing Jointly) | Part B Premium | Part D IRMAA |
|---|---|---|---|
| Up to $106,000 | Up to $212,000 | $185.00 | $0 |
| $106,001 – $133,500 | $212,001 – $267,000 | $259.80 | $12.90 |
| $133,501 – $166,000 | $267,001 – $332,000 | $389.80 | $33.30 |
| $166,001 – $499,999 | $332,001 – $749,999 | $519.80 | $53.80 |
| $500,000+ | $750,000+ | $560.50 | $76.40 |
How to Reduce or Eliminate IRMAA
If your income has dropped due to retirement, job loss, sale of property, or other life events, you can request an IRMAA appeal by filing Form SSA-44 with Social Security. We highly recommend doing this, as it could save you hundreds of dollars per year!
Key Takeaways: Medicare Costs in 2025
- Medicare Part A is free for most, but hospital deductibles and coinsurance can be costly without supplemental coverage.
- Medicare Part B costs $185.00/month, with a $257 deductible and 20% coinsurance.
- Medicare Part D premiums vary, but IRMAA can increase costs for higher-income earners.
- If you’re subject to IRMAA, file an appeal if you qualify—it can save you money!
Need Help? Call Us for a Free Medicare Consultation!
Understanding Medicare costs can be overwhelming, but you don’t have to navigate it alone. At Bluewave Insurance, we help clients compare plans and find the most cost-effective coverage for their needs.
Call us today at 800-208-4974 for expert guidance and free quotes!
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Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.
