Medicare Plans
How Much are Medicare Premiums, Deductibles and Coinsurance Rates?
Your Monthly Premiums for Medicare
Part A (Hospital Insurance) Monthly Premium
About 99% of Medicare beneficiaries do not pay a monthly Part A premium (beneficiary or a spouse has 40+ quarters of Medicare-covered employment).
The 2025 Part A premium is $518 per month for people who are not otherwise eligible for premium-free Hospital Insurance and have less than 30 quarters of Medicare-covered employment. Higher income consumers may pay more.
The 2025 Part A premium is $285 per month for Medicare beneficiaries with 30-39 quarters of Medicare-covered employment.
Part B (Medical Insurance) Monthly 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.
Medicare Part B enrollees will pay the standard $185.00 Part B premium amount in 2025 unless:
- You have Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount.)
- Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount. If so, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
- A small number of people pay a premium that is lower than the base premium. These people are protected by a "hold harmless" rule.
Since 2007, a beneficiary's Part B monthly premium is based on his or her income. These income-related monthly adjustment amounts affect roughly 8 percent of people with Medicare Part B. The 2025 Part B total premiums for high-income beneficiaries are shown in the following table:
| Full Part B Coverage | |||
| Beneficiaries who file individual tax returns with income: | Beneficiaries who file joint tax returns with income: | Income-related monthly adjustment amount | Total monthly premium amount |
|---|---|---|---|
| Less than or equal to $106,000 | Less than or equal to $212,000 | $0.00 | $185.00 |
| Greater than $106,000 and less than or equal to $133,000 | Greater than $212,000 and less than or equal to $266,000 | $74.00 | $259.00 |
| Greater than $133,000 and less than or equal to $167,000 | Greater than $266,000 and less than or equal to $334,000 | $185.00 | $370.00 |
| Greater than $167,000 and less than or equal to $200,000 | Greater than $334,000 and less than or equal to $400,000 | $295.90 | $480.90 |
| Greater than $200,000 and less than $500,000 | Greater than $400,000 and less than $750,000 | $406.90 | $591.90 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $443.90 | $628.90 |
Premiums for high-income beneficiaries who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
| Full Part B Coverage | |||
| Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses: | Income-related monthly adjustment amount | Total monthly premium amount | |
|---|---|---|---|
| Less than or equal to $106,000 | $0.00 | $185.00 | |
| Greater than $106,000 and less than $394,000 | $406.90 | $591.90 | |
| Greater than or equal to $394,000 | $443.90 | $628.90 | |
New for 2023 -- Immunosuppressive drug benefit
If you only have Medicare because of End Stage Renal Disease (ESRD),
your Medicare coverage, including immunosuppressive drug coverage,
ends 36 months after a successful kidney transplant.
Medicare offers a benefit that helps you pay for your immunosuppressive
drugs if you don't have certain types of other health coverage
(like a group health plan, TRICARE, or Medicaid that covers immunosuppressive drugs).
This new benefit only covers your immunosuppressive drugs and no other items or services.
It isn't a substitute for full health coverage. You can sign up for this benefit
anytime as long as you had Medicare because of ESRD at the time of your kidney
transplant. To sign up, call Social Security at 1-800-772-1213.
TTY users can call 1-800-325-0788.
Note: You'll pay a monthly premium of $110.40 (or higher based on your income) and
$257.00 deductible for this benefit in 2025. Once you've met the deductible,
you'll pay 20% of the Medicare-approved amount for immunosuppressive drugs.
If you have limited income and resources, you may be able to get help
from your state to pay for this benefit.
| Part B Immunosuppressive Drug Coverage Only | |||
| Beneficiaries who file individual tax returns with income: | Beneficiaries who file joint tax returns with income: | Income-related monthly adjustment amount | Total monthly premium amount |
|---|---|---|---|
| Less than or equal to $106,000 | Less than or equal to $212,000 | $0.00 | $110.40 |
| Greater than $106,000 and less than or equal to $133,000 | Greater than $212,000 and less than or equal to $266,000 | $73.60 | $184.00 |
| Greater than $133,000 and less than or equal to $167,000 | Greater than $266,000 and less than or equal to $334,000 | $184.10 | $294.50 |
| Greater than $167,000 and less than or equal to $200,000 | Greater than $334,000 and less than or equal to $400,000 | $294.50 | $404.90 |
| Greater than $200,000 and less than $500,000 | Greater than $400,000 and less than $750,000 | $404.90 | $515.30 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $441.70 | $552.10 |
Premiums for high-income beneficiaries who only have immunosuppressive drug coverage who are married and lived with their spouse at any time during the taxable year but file a separate return, are as follows:
| Part B Immunosuppressive Drug Coverage Only | |||
| Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses: | Income-related monthly adjustment amount | Total monthly premium amount | |
|---|---|---|---|
| Less than or equal to $106,000 | $0.00 | $110.40 | |
| Greater than $106,000 and less than $394,000 | $404.90 | $515.30 | |
| Greater than or equal to $394,000 | $441.70 | $552.10 | |
Medicare Deductible and Coinsurance Amounts for 2025
The Medicare Part A inpatient hospital deductible that beneficiaries will pay when admitted to the hospital will be $1,676 in 2025, an increase of $44 from $1,632 in 2024. The Part A inpatient hospital deductible covers beneficiaries' share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. In 2025, beneficiaries must pay a coinsurance amount of $419 per day for the 61st through 90th day of a hospitalization ($408 in 2024) in a benefit period and $838 per day for lifetime reserve days ($816 in 2024). For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 of extended care services in a benefit period will be $209.50 in 2025 ($204 in 2024).
Part B (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment). In 2025 the Medicare beneficiary pays $257 deductible per year ($240 in 2024), then 20% of the Medicare-approved amount for services.
Drug Plans - What You Pay
Below are descriptions of what you pay your Medicare drug plan. Your actual drug plan costs will vary depending on the following:
- Your prescriptions and whether they are on your plan's formulary (drug list)
- The plan you choose
- Whether you go to a pharmacy in your plan's network
- Whether you get Extra Help paying your Part D costs
Monthly Premium
Most drug plans charge a monthly fee that varies by plan. You pay this in addition to the Part B premium. If you're in a Medicare Advantage Plan (like an HMO or PPO) or a Medicare Cost Plan that includes Medicare prescription drug coverage, the monthly premium may include an amount for prescription drug coverage.
Note: Contact your drug plan (not Social Security) if you want your premium deducted from your monthly Social Security payment. If you want to stop premium deductions and get billed directly, contact your drug plan.
Since 2011, premiums for Part D coverage can be higher based on income, impacting approximately 8% of people with Part D coverage. This includes Part D coverage you get from a Medicare Prescription Drug Plan, a Medicare Advantage Plan, a Medicare Cost Plan, or employer group Medicare Advantage Plan that includes Medicare prescription drug coverage. If your income is above a certain limit, you will pay an extra amount in addition to your plan premium. Usually, the extra amount will be deducted from your Social Security check. If you have to pay an extra amount and you disagree (for example, you have a life event that lowers your income), call Social Security at 1-800-772-1213. TTY users should call 1-800-325-0778. For more information, visit https://www.ssa.gov.
The chart below shows your estimated prescription drug plan monthly premium
based on your income as reported on your IRS tax return from 2 years ago.
If your income is above a certain limit, you'll pay an income-related monthly
adjustment amount in addition to your plan premium.
For calendar year 2025:
| If your filing status and yearly income in 2023 was | |||
| File individual tax return | File joint tax return | File married & separate tax return | You pay each month |
|---|---|---|---|
| $106,000 or less | $212,000 or less | $106,000 or less | your plan premium |
| above $106,000 up to $133,000 | above $212,000 up to $266,000 | not applicable | $13.70 + your plan premium |
| above $133,000 up to $167,000 | above $266,000 up to $334,000 | not applicable | $35.30 + your plan premium |
| above $167,000 up to $200,000 | above $334,000 up to $400,000 | not applicable | $57.00 + your plan premium |
| above $200,000 and less than $500,000 | above $400,000 and less than $750,000 | above $106,000 and less than $394,000 | $78.60 + your plan premium |
| $500,000 or above | $750,000 and above | $394,000 and above | $85.80 + your plan premium |
Back to Top | Back to Medicare Plans Home
- When Do I Sign Up for Medicare Parts A & B?
- How Much are Medicare Premiums, Deductibles and Coinsurance Rates?
- Can I Choose Medicare Advantage (Part C) Instead of Medicare Parts A & B?
- Medicare Advantage Plan Types and Enrollment Periods
- Are There Other Kinds of Medicare Health Plans?
- What Are My Options for Medicare Prescription Drug Coverage (Part D)?
- What Are Medigap (Medicare Supplement Insurance) Policies?
- Changes Made to Medigap Plans on June 1st, 2010
- Changes Made to Medigap Plans on January 1st, 2020
| 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. |
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Last Updated: 12/14/2024