Medicare premiums, deductibles, copayments, and other costs often change each year. The Centers for Medicare & Medicaid Services (CMS) typically announce changes in costs for the upcoming calendar year during late fall of the current year. This page will be updated as CMS releases information about costs for the upcoming year.
| Part A costs in 2025 | |
|---|---|
if you have between 30 and 39 working quarters |
$285/month |
Premium if you have fewer than 30 working quarters |
$518/month |
Deductible
The deductible is the amount you must pay for health care expenses before your health insurance begins to pay. Deductible amounts can change every year.
|
$1,676/ benefit period The benefit period is the amount of time during which Medicare pays for hospital and skilled nursing facility (SNF) services. A benefit period begins the day you are admitted to a hospital as an inpatient, or to a SNF, and ends the day you have been out of the hospital or SNF for 60 days in a row. With each new benefit period, you pay a new deductible. Your coinsurance is determined by the number of days you have been in the facility during each benefit period. |
Inpatient An inpatient is a patient who has been formally admitted into the hospital by a doctor. Most inpatient care is covered under Medicare Part A (hospital insurance). hospital daily coinsurance The coinsurance is the portion of the cost of care you are required to pay after your health insurance pays. Usually, it is a percentage of the approved amount or negotiated amount. In Original Medicare, the coinsurance is usually 20% of Medicare’s assignment. for days 61 to 90 |
$419/day |
Inpatient hospital daily coinsurance for 60 lifetime reserve days Lifetime reserve days are for when you are in the hospital for more than 90 days. Medicare will cover 60 additional reserve days, and you will pay a coinsurance for each day. You can only use these 60 days once in your lifetime, but they do not have to be applied toward the same hospital stay. |
$838/day |
Skilled nursing facility (SNF) Skilled nursing facilities (SNFs) are Medicare-approved facilities that provide short-term post-hospital extended care services. daily coinsurance for days 21 to 100 |
$209.50/day |
| Part B costs in 2025 | |
|---|---|
Premium |
$185/month |
Annual deductible |
$257 |
| Part B Income-Related Monthly Adjustment Amount (IRMAA) in 2025 | ||
|---|---|---|
Your annual income |
Your annual income |
|
Individuals |
Couples |
Your monthly premium in 2025 |
Equal to or below $106,000 |
Equal to or below $212,000 |
$185.00 |
$106,001 -$133,000 |
$212,001 – $266,000 |
$259.00 |
$133,001 – $167,000 |
$266,001 – $334,000 |
$370.00 |
$167,001 – $200,000 |
$334,001 – $400,000 |
$480.90 |
$200,001 – $499,999 |
$400,001 – $749,999 |
$591.90 |
$500,000 and above |
$750,000 and above |
$628.90 |
| Part D costs in 2025 | |
|---|---|
National base premium |
$36.78/month |
Annual deductible |
$590 |
Catastrophic coverage Catastrophic coverage is a phase of coverage designed to protect you from having to pay very high out-of-pocket costs for prescription drugs. It usually begins after you have spent a pre-determined amount on your health care. For example, Part D prescription drug plans offer catastrophic coverage. After you have spent a certain amount out of pocket, you owe no cost-sharing for the cost of your covered drugs for the remainder of the year. begins |
$2,000 |
| Part D IRMAA in 2025 | ||
|---|---|---|
Your annual income |
Your annual income |
|
Individuals |
Couples |
What you pay in addition to your regular Part D premium |
Equal to or below $106,000 |
Equal to or below $212,000 |
$0 |
$106,001 -$133,000 |
$212,001 – $266,000 |
$13.70 |
$133,001 – $167,000 |
$266,001 – $334,000 |
$35.30 |
$167,001 – $200,000 |
$334,001 – $400,000 |
$57.00 |
$200,001 – $499,999 |
$400,001 – $749,999 |
$78.60 |
$500,000 and above |
$750,000 and above |
$85.80 |