In 2025, getting Medicare doesn’t mean all your healthcare is free—there are still premiums, deductibles and even extra charges to think about. Check out the updated list of Medicare costs we’ve pulled together, so you can plan smarter.
2025 Medicare Part A Coinsurance and Deductible
For many Medicare beneficiaries, Part A acts like a safety net when it comes to hospital and inpatient care. It covers services like hospital stays, skilled nursing facility care, hospice, and some home health services. If you’ve paid Medicare taxes long enough, you probably won’t owe a monthly premium. But don’t be caught off guard—coinsurance fees and deductibles are still part of the picture. Take a look at the 2025 updated costs we’ve compiled, so you know what financial responsibilities might pop up.
| Medicare Part A Premium/Deductible/Coinsurance 2023 vs 2024 | ||
|---|---|---|
| Medicare Part A Benefits | 2024 | 2025 |
| Inpatient hospital deductible | $1,632 | $1,676 |
| Hospital coinsurance per day cost for Days: 61st-90th | $408 per day | $419 per day |
| Hospital coinsurance per day for lifetime reserve days**** | $816 per day | $838 per day |
| Skilled Nursing Facility Days 21 – 100 | $204 per day | $209.50 per day |
****Medicare Part A lifetime reserve days max out at 60 days. When these days are used, you’ll pay 100% for each additional day in the hospital.
Medicare Part B Premium and Deductible 2025
The Medicare Part B premium is a monthly payment, and this is often taken directly from your Social Security. But keep in mind, the cost could be higher than what’s shown here, depending on your income:
| Medicare Part B Premium 2024 vs 2025 | ||
|---|---|---|
| 2024 | 2025 | |
| Part B Premium | $174.70 | $185.00 |
| Part B Deductible | $240 | $257 |
2025 Medicare Part A Premium
Most people 65+ who are eligible for Medicare don’t pay the Part A premium. It’s usually free if either you or your spouse worked and paid taxes for 10 years. And if you enroll in Medicare before you’re 65, you usually get free Part A too.
However, if you haven’t met the work history requirements for Part A, you’ll have to pay for it. Details are down below:
| Worked*** and paid taxes for 40 quarters (10 years) | Worked*** and paid taxes 30 – 39 quarters | Worked*** and paid taxes less than 30 quarters |
|---|---|---|
| $0 | $285 | $518 |
**Medicare Part A is always premium-free for those who are under 65 and qualify for Medicare because of a disability.
***You and your spouse worked.
2025 Medicare Part B Premium cost for higher-income enrollees
For most people on Medicare Part B , the monthly premium in 2025 will be $185.00. But if your income is on the higher side, you might end up paying more, thanks to something called IRMAA (Income Related Monthly Adjustment Amount). It’s basically an extra charge added to your regular premium if you earn above a certain limit.
Here’s the good news: those limits have gone up for 2025. In 2024, higher premiums kicked in at $103,000, but now it won’t happen unless your income is over $106,000. So, if you had a slight income bump last year, you might still avoid those extra charges this time around.
2025 Medicare Part B and Part D IRMAA Monthly Premiums
| Beneficiaries who file individual tax returns with income | Beneficiaries who file joint tax returns with income | Part B Monthly Premium | Part D Monthly Premium |
|---|---|---|---|
| Less than or equal to $106,000 | Less than or equal to $212,000 | $185.00 | Premium (varies) |
| $106,001 to $133,000 | $212,001 to $266,000 | $259.00 | Premium + $13.70 |
| $133,001–$167,000 | $266,001–$334,000 | $370.00 | Premium + $35.30 |
| $167,001 to $200,000 | $334,001 to $400,000 | $480.90 | Premium + $57.00 |
| $200,001 to $500,000 | $400,001 to $750,000 | $591.90 | Premium + $78.60 |
| Greater than or equal to $500,001 | Greater than or equal to $750,001 | $628.90 | Premium + $85.80 |
“New” Medicare Part B Immunosuppressive Drugs
People who’ve had a kidney transplant sometimes lose their full Medicare after 36 months, unless they qualify through other means. But there’s good news—if you don’t have another health plan, Medicare offers a special option just for immunosuppressive drugs.
This benefit comes with its own premium: $110.40 per month in 2025. If you’re a higher-income earner, you could pay a bit more. There’s also a $257 deductible before coverage kicks in. To learn more, check out this Medicare PDF.
2025 Original Medicare costs covered by Medigap
Original Medicare provides good coverage, but you’ll still have out-of-pocket costs, which can add up quickly, especially with frequent care or long hospital stays. A Medigap plan can help cover these expenses, such as deductibles and coinsurance, and even extends hospital coverage by 365 days.
Since Medigap plans offer varying levels of coverage, it’s important to choose one that fits your needs and budget (you can compare Medigap Plans here). Plan G is a popular choice, offering a good balance of cost and coverage.
Get a Medigap Quote Enroll in Medigap
Next Steps for Medicare in 2025
Just reviewed what Medicare will cost in 2025? Now might be a smart time to look at Medigap. Call Senior65.com at 800-930-7956 for free help. We’ll explain everything in plain language—no pressure.
There is NEVER a charge or hidden fee to work with us and no one can sell the same Medigap plan for less than Senior65.com can.