Every year the Center for Medicaid and Medicare Services releases cost updates for the year. Below we review the increases for 2025.
Medicare Part A cost for 2025
Medicare Part A, which provides coverage at the hospital is typically “free” for most people if you have worked for at least 10 years in your life and paid Medicare taxes during that time.
Part A also has some deductibles and out-of-pocket costs.
In 2025 the Part A hospital deductible increased from $1,632 (2024) to $1,676. An increase of $44. This covers the first 60 days at the hospital. For days 61 – 90, there is a $419 copay per day, increased from $4408 in 2025.
Note: most Medicare Supplement and Medicare Advantage plans will cover the Part A deductible and the inpatient copays.
How much will I pay for Medicare Part B?
Medicare Part B Calculator
The standard Part B premium increased from $174.70 per month to $185.00 an increase of $10.30 per month.
If your income was over a certain threshold you will pay extra for your Part B and D premiums. The chart below illustrates the premium for Part B in relation to income limits.
| If your yearly modified adjusted gross income in 2023 was | You pay (in 2025) | |
| File individual tax return | File joint tax return | |
| $106,000 or less | $212,000 or less | $185.00 |
| above $106,000 up to $133,000 | above $212,000 up to $266,000 | $259.00 |
| above $133,000 up to $167,000 | above $266,000 up to $334,000 | $370.00 |
| above $167,000 up to $200,000 | above $334,000 up to $400,000 | $480.90 |
| above $200,000 and less than $500,000 | above $400,000 and less than $750,000 | $591.90 |
| $500,000 or above | $750,000 or above | $628.90 |
As you can see in the chart below Medicare uses the 2023 tax year for 2025. If you earned over $106,000 as an individual or $212,000 as a couple you are required to pay $259.00 per month for your Part B premium. This is $74.00 more than the standard amount of $185.00 per month, that most folks pay.
The Part B premium is not to be confused with the Part B deductible which is is the annual amount you are responsible for at the doctor before the supplement plan starts to pay. This deductible is covered 100% by Plan F.
Medigap Plans G and N do not cover the Part B deductible.
What is the Part B Deductible in 2025?
In 2025 the Part B deductible increased to $257. It was $240 in 2024. An increase of $17 for the year.
Continue Reading about Medicare, check out our Medicare 101 page.
How much will Part D cost in 2025?
In 2025 the average Part D (RX) plan premium is between $0-$50 per month. Similar to your Part B premium, this plan can also be subject to your income.
The chart below shows the premium increases due to your income for Part D plans. These amounts would be in addition to your Part D plan premium.
| If your yearly modified adjusted gross income in 2023 was | You pay (in 2025) | |
| File individual tax return | File joint tax return | |
| $106,000 or less | $212,000 or less | Your plan premium |
| above $106,000 up to $133,000 | above $212,000 up to $266,000 | $13.70 + your plan premium |
| above $133,000 up to $167,000 | above $266,000 up to $334,000 | $35.30 + your plan premium |
| above $167,000 up to $200,000 | above $334,000 up to $400,000 | $57.00 + your plan premium |
| above $200,000 and less than $500,000 | above $400,000 and less than $750,000 | $78.60 + your plan premium |
| $500,000 or above | $750,000 or above | $85.80 + your plan premium |
How do I dispute the adjustment?
You can contact Social Security or use this form to request a reduction in the income-related increase due to a life-changing event.
How much will a Medicare Plan cost?
If you choose a Medigap plan you will pay anywhere between $85-$150 per month, depending on where you live. This will provide you with nearly 100% coverage, protecting you against the high medical costs that come with just having Original Medicare and no plan.
If you choose a Medicare Advantage plan, expect a range between $0 – $100 per month and these plans often include prescription coverage (Part D). Most plans are less than $50 per month and are often $0 premium.
Before you choose a plan it is important to compare rates. Contact us at (800) 208-4974 for a no-obligation plan comparison. We offer both Medicare Advantage, Medicare Supplement (Medigap) plans and Part D plans.
Recap:
- Most folks will not pay a premium for Part A.
- The standard Part B premium in 2025 is $185.00 per month.
- The Part B deductible is $257 in 2025.
- Parts B and D are subject to income-adjustments.
Questions? Call us at (800) 208-4974, I will be happy to assist you!
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.
