On November 8, the Centers for Medicare & Medicaid Services (CMS) announced the Medicare Part A and Part B 2025 premiums, deductibles, and coinsurance amounts!
You will notice that Part B premiums and deductibles are higher than last year due to projected price changes and assumed utilization increases that are consistent with historical experience.
Part B 2025 Costs
For 2025, the monthly Medicare Part B premium will be $185, an increase of $10.30 from $174.70 in 2024. The annual deductible for Medicare Part B beneficiaries will increase $17 from $240 in 2024 to $257 in 2025.
Here’s how your clients’ annual incomes will affect their Medicare Part B monthly premiums for 2025.
Full Part B Coverage*
| File Individual Tax Return | File Joint Tax Return | Monthly Adjustment | 2025 Part B Monthly Premium |
| Less than or equal to $106,000 | Less than or equal to $212,000 | $0 | $185 |
| 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 | $259 |
| 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 | $370 |
| 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 |
Part B Immunosuppressive Drug Coverage Only*
| File Individual Tax Return | File Joint Tax Return | Monthly Adjustment | 2025 Part B Monthly Premium |
| Less than or equal to $106,000 | Less than or equal to $212,000 | $0 | $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 |
| 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 |
Full Part B Coverage*
| File Separate Tax Return from Spouse | Monthly Adjustment | 2025 Part B Monthly Premium |
| Less than or equal to $106,000 | $0 | $185 |
| Greater than $106,000 and less than $394,000 | $406.90 | $591.90 |
| Greater than or equal to $394,000 | $443.90 | $628.90 |
Part B Immunosuppressive Drug Coverage Only*
| File Separate Tax Return from Spouse | Monthly Adjustment | 2025 Part B Monthly Premium |
| Less than or equal to $106,000 | $0 | $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 |
Part A 2025 Costs
Medicare Part A is premium-free for more than 99 percent of beneficiaries. Less than one percent of Medicare beneficiaries must pay the Part A premium because they do not have at least 40 quarters of Medicare-covered employment. Those who have paid Medicare taxes for less than 30 quarters will pay a Part A premium of $518 per month in 2025, which is a $13 from $505 per month in 2024. Beneficiaries who have paid Medicare taxes for at least 30 quarters or were married to someone with at least 30 quarters of coverage will pay a Part A premium of $285 per month in 2025, which is a $7 increase from 2024.
The Medicare Part A inpatient hospital deductible that beneficiaries will pay when admitted to the hospital for 2025 will be $1,676 , which is an increase of $44 from $1,632 in 2024.
2025 Part A Deductible & Coinsurance Amounts*
| Type of Cost Sharing | 2024 | 2025 |
| Inpatient Hospital Deductible | $1,632 | $1,676 |
| Daily Coinsurance for Days 61 to 90 | $408 | $419 |
| Daily Coinsurance for Lifetime Reserve Days | $816 | $838 |
| Skilled Nursing Facility Coinsurance | $204 | $209.50 |
The best insurance agents are the most knowledgeable about information like this that directly impacts the abilities of their clients to afford quality Medicare coverage. By staying up to date, you can serve as a well-informed, reliable, and trusted guide for your clients throughout the insurance sales process.
*Editor’s Note: Table information is from the Centers for Medicare & Medicaid Services.
Not affiliated with or endorsed by Medicare or any government agency.
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