A Look at Medicare Part A, Part B, and Part D Costs
The Centers for Medicare & Medicaid Services (CMS) recently released the 2025 Medicare costs, including premiums, deductibles, and coinsurance for Part A, Part B, and Part D. Here’s a breakdown of what shoppers can expect in 2025 with updates on income-related adjustments.
Medicare Part B Costs (2025)
Medicare Part B covers outpatient services, such as doctor visits, lab tests, and durable medical equipment. Each year, the cost of Part B premiums, deductibles, and coinsurance is set based on the Social Security Act.
In 2025, the standard monthly premium for Part B will increase to $185.00, a $10.30 increase from 2024. The annual deductible will also rise to $257.00, up by $17.00 from last year.
For those who require immunosuppressive drug coverage after a kidney transplant, the premium will be $110.40 in 2025.
Part B Income-Related Monthly Adjustment Amounts (IRMAA)
Since 2007, high-income beneficiaries have paid higher Part B premiums based on their income. For 2025, income-related monthly adjustment amounts (IRMAA) will be applied to individuals with income above certain thresholds.
| Income Range (Individual Tax Return) | Income Range (Joint Tax Return) | Full Coverage Premium | Immunosuppressive Only Premium |
|---|---|---|---|
| Less than or equal to $106,000 | Less than or equal to $212,000 | $185.00 | $110.40 |
| $106,001 – $133,000 | $212,001 – $266,000 | $258.60 | $184.00 |
| $133,001 – $167,000 | $266,001 – $334,000 | $339.10 | $294.50 |
| $167,001 – $200,000 | $334,001 – $400,000 | $479.50 | $404.90 |
| $200,001 – $500,000 | $400,001 – $750,000 | $589.90 | $515.30 |
| Greater than $500,000 | Greater than $750,000 | $628.90 | $552.10 |
IRMAA for Married Filing Separately (2025)
If you’re married and file separately, the income thresholds and associated premiums differ.
| Income Range (Individual Tax Return) | Income Range (Joint Tax Return) | Full Coverage Premium | Immunosuppressive Only Premium |
|---|---|---|---|
| Less than or equal to $106,000 | $185.00 | $110.40 | |
| $106,001 – $394,000 | $406.90 | $515.30 | |
| Greater than $394,000 | $443.90 | $552.10 |
Medicare Part A Costs (2025)
Medicare Part A primarily covers inpatient hospital stays, skilled nursing care, hospice, and some home health services. Most beneficiaries don’t pay a Part A premium if they or their spouse worked and paid Medicare taxes for at least 40 quarters.
For those who do pay a Part A premium, the cost will be $285.00 in 2025, an increase of $7.00 from 2024. Beneficiaries with fewer than 30 quarters of coverage may need to pay the full premium of $518.00.
Additionally, here are the 2025 deductibles and coinsurance for Part A:
| Cost Item | Amount |
|---|---|
| Inpatient Hospital Deductible | $1,676.00 (increase of $44.00 from 2024) |
| Coinsurance (61st-90th day) | $419.00 per day (increase of $11.00 from 2024) |
| Coinsurance (Lifetime Reserve Days) | $838.00 per day (increase of $22.00 from 2024) |
| Skilled Nursing Facility Coinsurance (Days 21-100) | $209.50 per day (increase of $5.50 from 2024) |
| Premium for 40+ Quarters of Coverage | $0.00 (no premium) |
| Premium for 30-39 Quarters of Coverage | $285.00 (increase of $7.00 from 2024) |
| Premium for Fewer than 30 Quarters | $518.00 (increase of $13.00 from 2024) |
Medicare Part D Income-Related Monthly Adjustment Amounts (IRMAA) (2025)
Medicare Part D covers prescription drug costs, and premiums can vary depending on the plan. Like Part B, Part D premiums for higher-income beneficiaries are subject to an income-related monthly adjustment.
For 2025, the following IRMAA amounts will apply to individuals with higher incomes:
| Income Range (Individual Tax Return) | Income Range (Joint Tax Return) | IRMAA |
|---|---|---|
| Less than or equal to $106,000 | Less than or equal to $212,000 | $0.00 |
| $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 – $500,000 | $400,001 – $750,000 | $78.60 |
| Greater than $500,000 | Greater than $750,000 | $85.80 |
IRMAA for Married Filing Separately (2025)
For those who are married but file separately, the income thresholds and adjustments are as follows:
| Income Range (Individual Tax Return) | Income Range (Joint Tax Return) | IRMAA |
|---|---|---|
| Less than or equal to $106,000 | $0.00 | |
| $106,001 – $394,000 | $78.60 | |
| Greater than $394,000 | $85.80 |
