2025 Medicare Part A&B Premiums

Medicare Part A: Most People Don’t Pay a Premium

Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice, and some home health care.

• Premium-Free Part A: If you or your spouse paid Medicare taxes for at least 10 years (40 quarters), you qualify for Part A with no monthly premium.
• If You Don’t Qualify for Premium-Free Part A:
• If you paid Medicare taxes for 30–39 quarters, you’ll pay a monthly premium of $285 in 2025.
• If you paid taxes for fewer than 30 quarters, the full monthly premium is $518 in 2025.

Even if you pay a premium for Part A, you can still enroll if you’re 65 or older and meet citizenship or residency requirements.

Medicare Part B: Most People Pay a Standard Premium

Part B covers doctor visits, outpatient services, preventive care, lab work, durable medical equipment, and more.

• Standard Premium in 2025: The base premium for Part B is $185.00 per month.
• Income-Related Monthly Adjustment Amount (IRMAA): If your income is above certain levels, you may pay more for Part B. This is based on your modified adjusted gross income (MAGI) from two years ago (2023 income for 2025 premiums). For example:
• Single filers earning over $106,000
• Joint filers earning over $212,000

Higher-income beneficiaries may pay up to $628.90/month depending on their income bracket.

Other Costs to Consider

Premiums aren’t the only costs with Medicare. You’ll also have:

• Deductibles: Part A has a deductible per benefit period. Part B has an annual deductible of $257 in 2025.
• Coinsurance and Copays: After meeting deductibles, you typically pay 20% of the Medicare-approved amount for most Part B services.

How to Pay Your Premiums

• If you receive Social Security, your Part B premium is automatically deducted from your monthly check.
• If not, Medicare will bill you quarterly or offer options to pay electronically.

Need Help Understanding Your Options?

Choosing the right Medicare path can be overwhelming—especially with the possibility of additional coverage through Medicare Advantage (Part C), drug plans (Part D), or Medicare Supplement Insurance (Medigap).

A conversation with a licensed Medicare advisor can help you understand what coverage is right for your health needs and budget.

Final Thoughts

Medicare is not one-size-fits-all, and the costs can vary depending on your work history and income. Knowing the premiums for Part A and B helps you make more informed choices as you enter this new phase of coverage.