Medicare Costs in 2025

The Part A deductible for hospital admissions will increase to $1,676 in 2025. That’s an increase of $44, up 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.

There’s no limit to the number of benefit periods you can have in a year. This means you may pay the deductible more than once in a year.

For patients who are hospitalized for longer than 60 days, the coinsurance amount in 2025 is $419 a day, (up $11 from $408 in 2024), for the 61st through the 90th day of hospitalization. The coinsurance payment rises to $838 a day, up from $816 in 2024, starting on the 91st day of hospitalization. For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 of extended care services in a benefit period is $209.50, up $5.50 from $204 in 2024.

In 2025, the standard monthly Part B premium is $185, up $10.30 from $174.70 in 2024. The annual deductible for all Medicare Part B beneficiaries is $257 in 2025, $17 more than the 2024 deductible of $240.

Part B covers doctor visits, outpatient services, home health care, durable medical equipment and many preventive services. You usually pay 20% of the Medicare-approved amount for Part B-covered services after you meet your deductible. This amount is called your coinsurance.

High earners will pay more. The income-related monthly adjustment amount (IRMAA) is a surcharge for people with income above a certain amount that must be paid in addition to your Medicare Part B and Part D premiums. IRMAA is calculated every year. That means if your income is higher or lower year after year, your IRMAA status can change. If the Social Security Administration determines you must pay an IRMAA, you’ll receive a notice with the new premium amount and the reason for their determination.

In 2025, the Part B IRMAA surcharge amounts range from $74.00 to $443.90. The surcharges for Part D, which covers prescription drugs, range from $13.70 to $85.50 depending on income.

The surcharges for high earners are based on adjusted gross income (AGI) from two years earlier. In 2025, single beneficiaries with 2023 AGI of more than $106,000 and married couples filing jointly with 2023 AGI of over $212,000 will pay more. These high-earning beneficiaries will pay a total Part B premium of between $259.00 and $628.90 in 2025.

Donna LeValley is a staff writer with Kiplinger.com. For more on this and similar money topics, visit Kiplinger.com.

©2024 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC.

Learn more about other changes in Medicare costs in 2025 on Seniors Guide:

Medicare Drug Plan Improvements