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2025 Medicare Part A and Part B Premium & Deductible

2025 Medicare Part A (Hospital) Monthly Premium & Deductible

You usually don’t pay a monthly Premium for Medicare Part A coverage if you or your spouse paid Medicare taxes while working.

Enrollees age 65 and over who have fewer than 40 quarters of coverage and certain persons with disabilities pay a monthly premium in order to voluntarily enroll in Medicare Part A. Individuals who had at least 30 quarters of coverage or were married to someone with at least 30 quarters of coverage may buy into Part A at a reduced monthly premium rate, which will be $285 in 2025 ($278 in 2024). Certain uninsured aged individuals who have less than 30 quarters of coverage and certain individuals with disabilities who have exhausted other entitlement will pay the full premium, which will be $518 a month in 2025, a $13 increase from 2024.
The chart below shows the annual Medicare Part A (in-hospital) deductible and the Medicare Part A monthly premium for people who do not qualify for premium-free Part A.

Medicare Part A Premium and Part A Deductible
Year Full Premium Deductible
2025$518$1,676
2024$505$1,632
2023$506$1,600
2022$499$1,556
2021$471$1,484
2020$458$1,408
2019$437$1,364
2018$422$1,340
2017$413$1,316
2016$411$1,288
2015$407$1,260
2014$426$1,216
2013$441$1,184
2012$451$1,156
2011$450$1,132
2010$461$1,100
2009$443$1,068
2008$423$1,024
2007$410$992





Medicare Part A Late Enrollment Penalty

If you aren’t eligible for premium-free Part A, and you don’t buy it when you’re first eligible, your monthly premium may go up 10%. You will have to pay the higher premium for twice the number of years you could have had Part A, but didn’t sign-up. For example, if you were eligible for Part A for 2 years but didn’t sign-up, you will have to pay the higher premium for 4 years. Usually, you don’t have to pay a penalty if you meet certain conditions that allow you to sign up for Part A during a Special Enrollment Period. If you aren’t eligible for premium-free Part A, and you don’t buy it when you’re first eligible, your monthly premium may go up 10%. You will have to pay the higher premium for twice the number of years you could have had Part A, but didn’t sign-up. For example, if you were eligible for Part A for 2 years but didn’t sign-up, you will have to pay the higher premium for 4 years. Usually, you don’t have to pay a penalty if you meet certain conditions that allow you to sign up for Part A during a Special Enrollment Period. Read more under Medicare Part A Special Enrollment Period.


2025 Medicare Part B (Medical) Monthly Premium & Deductible

2025 Medicare Part B Deductible
CMS announced that the annual deductible for all Medicare Part B beneficiaries is $257 in 2025, an increase of $17 from the annual deductible of $240 in 2024.

How Much Does Medicare Part B Coverage Cost?

A chart of the Medicare Part B deductible and standard Part B premium over the past few years is shown below. Your actual Medicare Part B premium may be adjusted by the (1) "hold harmless" provision, (2) by IRMAA, if you are a high-earning Medicare beneficiary, or (3) the late enrollment penalty. These topics are discussed further below.

Standard Medicare Part B Premium and Part B Deductible
Year Premium Deductible
2025$185.00$257
2024$174.70$240
2023$164.90$226
2022$170.10$233
2021$148.50$203
2020$144.60$198
2019$135.50$185
2018$134.00$183
2017$134.00$183
2016$121.80$166
2015$104.90$147
2014$104.90$147
2013$104.90$147
2012 $99.90$140
2011$115.40$162
2010$110.50$155
2009$96.40$135
2008$96.40$135
2007$93.50$131

You pay the Medicare Part B premium each month. Most people will pay up to the standard premium amount. However, if your modified adjusted gross income (AGI) as reported on your IRS tax return from 2 years ago (the most recent tax return information provided to Social Security by the IRS) is above a certain amount (see chart below), you may pay more. This is called the income related monthly adjustment amount (IRMAA).

Your modified adjusted gross income is your adjusted gross income plus your tax exempt interest income. Each year, Social Security will notify you if you have to pay more than the standard premium. The amount you pay can change each year depending on your income. If you have to pay a higher amount for your Part B premium and you disagree, you can appeal the IRMAA.

2025 Medicare Part B Premium
The standard monthly premium for Medicare Part B enrollees will be $185.00 for 2025, an increase of $10.30 from $174.70 in 2024. A small percentage of Medicare beneficiaries will pay less than the full Part B standard monthly premium amount in 2025 due to the statutory hold harmless provision, which limits certain beneficiaries’ increase in their Part B premium to be no greater than the increase in their Social Security benefits.

The Social Security Administration will be announcing the cost-of-living adjustment (COLA) for 2025 Social Security benefits. Since the Social Security law includes a "hold-harmless" provision preventing Medicare Part B premiums from increasing faster than Social Security benefits, a small percentage of the people with Medicare Part B will be "held harmless" from any increases in 2025 Part B premiums and will "effectively" pay an even lower monthly premium as compared to last year - after taking the COLA increase into account.

Medicare beneficiaries not subject to the "hold harmless" provision will pay $185.

Since 2007, beneficiaries with higher incomes have paid higher Part B monthly premiums. The income-related monthly adjustment amount (IRMAA) affects fewer than 8 percent of people with Medicare. To learn more, see our article: 2025 IRMAA: Slight increase in Medicare Part D IRMAA payments for some.

The IRMAA, additional amounts, and total Part B premiums for high income beneficiaries for 2025 are shown in the following table. The "You Pay" column includes the IRMAA amount.

If Your Yearly Income Is Your Monthly
Medicare Part B
Premium		 2025
Medicare
Part B
IRMAA
File Individual Tax Return File Joint Tax Return File Married & Separate Tax Return
$106,000 or less$212,000 or less$106,000 or less$185.00$0.00
above $106,000 up to $133,000above $212,000 up to $266,000Not applicable$259.00$74.00
above $133,000 up to $167,000above $266,000 up to $334,000Not applicable$370.00$185.00
above $167,000 up to $200,000above $334,000 up to $400,000Not applicable$480.90$295.90
above $200,000 and less than $500,000above $400,000 and less than $750,000above $106,000 and less than $394,000$591.90$406.90
$500,000 or above$750,000 and above$394,000 and above$628.90$443.90
*If you pay a late-enrollment Penalty, your monthly premium is higher.





Medicare Part B Late Enrollment Penalty

If you don’t sign up for Part B when you’re first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn’t sign up for it. Usually, you don’t pay a late enrollment penalty if you meet certain conditions that allow you to sign up for Part B during a special enrollment period.

Example: Mr. Smith’s initial enrollment period ended September 30, 2021. He waited to sign up for Part B until the General Enrollment Period in March 2024. His Part B premium penalty is 20%. (While Mr. Smith waited a total of 30 months to sign up, this included only two full 12-month periods.)

Ways to Pay If you get Social Security, RRB, or Civil Service benefits, your Part B premium will get deducted from your benefit payment. If you don’t get these benefit payments and choose to sign up for Part B, you will get a bill. If you choose to buy Part A, you will always get a bill for your premium. You can mail your premium payments to the Medicare Premium Collection Center, P.O. Box 790355, St. Louis, Missouri 63179-0355. If you get a bill from the RRB, mail your premium payments to RRB, Medicare Premium Payments, P.O. Box 9024, St. Louis, Missouri 63197-9024.


2025 Part C (Medicare Advantage) Monthly Premium & Deductible

Medicare Advantage plan premiums*, deductibles, and benefits will depend on the Medicare Advantage plans available in your service area (county or ZIP code). Along with your Medicare Advantage plan premium, you must continue to pay your Part B premium (and Part A premium if you do not receive your Medicare Part A coverage premium-free).

The 2025 Medicare Advantage plan premiums range from $0 to $353.


*If you pay a late-enrollment Penalty, your monthly premium is higher.


2025 Part D (Medicare Prescription Drug Plan) Monthly Premium & Deductible

Medicare Prescription Drug Plan (Part D) premiums*, deductibles, and benefits vary by plan and state. Remember that you can receive Part D prescription drug coverage from a stand-alone Medicare Part D plan (PDP) or a Medicare Advantage plan that includes drug coverage (MAPD).

The 2025 stand-alone Medicare prescription drug plan (PDP) premiums range from $0 to $191.

The 2025 standard Medicare Part D plan deductible is $590, however the actual plan deductible can be anywhere from $0 to $590.


*If you pay a late-enrollment Penalty, this amount is higher.

(Primary Source: Centers for Medicare and Medicaid Services - Medicare and You Handbook. This content may have been enhanced by Q1Group LLC to include further examples, explanations, and links.)


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  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
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  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
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  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDPCompare.com and MACompare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
    Statement required by Medicare:
    "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.
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