Medicare Part A and Part B Deductibles for 2025

Medicare Part A (hospital insurance) has a deductible of $1,676 per benefit period in 2025. A benefit period starts when you enter a hospital and ends 60 days after you leave without receiving inpatient care. If you return to the hospital after that 60-day window closes, a new benefit period begins and you pay the deductible again.

Medicare Part B (medical insurance) has a deductible of $240 per year in 2025. You pay this once each calendar year before Medicare begins to pay its share of covered services like doctor visits, lab work, and outpatient procedures.

After you meet your Part B deductible, you typically pay 20 percent of the cost for most services, and Medicare pays 80 percent. Part A works differently: after you pay the deductible, Medicare covers all costs for the first 60 days of a hospital stay, though you pay a daily amount ($419 per day in 2025) for days 61 through 90.

Key Takeaways

  • Part A deductible is $1,676 per benefit period, which resets each time you leave the hospital and stay out for 60 days.
  • Part B deductible is $240 per calendar year, and you pay it once before Medicare starts covering doctor visits and outpatient care.
  • Part D (prescription drug) deductibles vary by plan and can range from $0 to several hundred dollars depending on which plan you choose.
  • Medigap and Medicare Advantage plans have their own deductibles that may be lower or higher than Original Medicare, and some Medigap plans cover the Original Medicare deductibles entirely.
  • Deductible amounts increase each year, so the 2025 figures will change in 2026.

Part D Prescription Drug Deductibles

Medicare Part D (prescription drug coverage) deductibles are set by each insurance plan, not by Medicare itself. In 2025, Part D deductibles range from $0 to $545, depending on which plan you choose. Some plans have no deductible at all, while others charge the maximum allowed amount.

You can see the exact deductible for any Part D plan during the annual enrollment period (October 15 to December 7) by using the Medicare Plan Finder tool on Medicare.gov. The deductible applies only to covered drugs in certain cost tiers, and some plans waive the deductible for generic drugs or drugs in the lowest tiers.

After you pay your Part D deductible, you move into the initial coverage phase, where you and your plan share the cost of drugs. The amount you pay depends on the drug's tier and your plan's cost-sharing structure.

How Deductibles Work in Medicare Advantage Plans

Medicare Advantage (Part C) plans are offered by private insurance companies and must cover everything Original Medicare covers, but they set their own deductibles. Some Medicare Advantage plans have no deductible, while others charge $0 to $500 or more, depending on the plan and the type of service.

A Medicare Advantage plan may have different deductibles for different services. For example, one plan might have a $250 deductible for doctor visits but no deductible for preventive care. You need to check the specific plan's details to know what you will pay.

Medicare Advantage plans also include Part D drug coverage built in, so you do not enroll in a separate Part D plan. The drug deductible is part of the overall plan structure and may be combined with or separate from the medical deductible, depending on the plan.

Medigap Plans and Deductible Coverage

Medigap (supplemental insurance) plans are sold by private insurers and work alongside Original Medicare. They help pay the costs that Original Medicare does not cover, including deductibles, coinsurance, and copayments. Some Medigap plans cover the Part A and Part B deductibles entirely, while others require you to pay a portion.

Medigap Plan G, for example, covers the Part B deductible after you pay it once. Plan F (available only to people who became may be able to access for Medicare before January 1, 2020) covers both the Part A and Part B deductibles. Plan N covers the Part B deductible but not the Part A deductible. Each plan has a different structure, so review the plan details before you enroll.

Medigap plans do not cover Part D drug costs, so you still need to enroll in a separate Part D plan and pay that plan's deductible. Medigap premiums are separate from Medicare premiums and vary by plan, age, and location.

When Deductibles Reset and How to Track Them

Part B deductibles reset on January 1 each year. Once you pay $240 in 2025, you will not pay another Part B deductible until January 1, 2026, even if you use many services throughout the year.

Part A deductibles reset when a new benefit period begins. If you are hospitalized in January and discharged, then hospitalized again in March, you pay the deductible twice because 60 days passed between stays. If you are readmitted within 60 days, you do not pay a new deductible.

Part D deductibles also reset on January 1 each year. If you switch Part D plans during the annual enrollment period, your new plan's deductible applies starting January 1, even if you had not yet met your old plan's deductible.

Keep records of what you have paid toward your deductible each year. Your Medicare Summary Notice (sent quarterly) shows your deductible status for Part A and Part B. For Part D, your plan sends a monthly statement showing how much of your deductible you have met.

How Deductibles Affect Your Out-of-Pocket Costs

Your deductible is only the first cost you pay. After you meet your deductible, you still pay coinsurance (a percentage of the cost) or copayments (a fixed amount per visit) for most services. Understanding your full cost-sharing structure — not just the deductible — helps you budget for healthcare expenses.

Original Medicare also has an out-of-pocket maximum for Part B services only. In 2025, if you pay $8,700 in coinsurance and copayments for Part B services, Medicare covers 100 percent of additional Part B costs for the rest of the year. Part A has no out-of-pocket maximum, so costs can continue to accumulate during a long hospital stay.

Medicare Advantage plans must have an out-of-pocket maximum. In 2025, the maximum is $8,850 for in-network services. Once you reach this limit, your plan pays 100 percent of covered services for the rest of the year. This can make Medicare Advantage appealing if you expect high medical costs.

Frequently Asked Questions

Do I pay the Part B deductible every time I see a doctor?

No. You pay the Part B deductible ($240 in 2025) once per calendar year. After you meet it, Medicare covers its share of doctor visits and other Part B services for the rest of that year. You may still pay a copayment or coinsurance for each visit, but not the deductible again until January 1.

What happens if I am hospitalized twice in one year?

If you are hospitalized, discharged, and stay out of the hospital for 60 days or more, a new benefit period begins and you pay the Part A deductible again. If you are readmitted within 60 days, you do not pay a second deductible. The 60-day clock resets each time you leave the hospital.

Can I avoid paying deductibles with a Medigap plan?

Some Medigap plans cover the Part A and Part B deductibles, but not all. Plan G covers the Part B deductible; Plan F (for those may be able to access before January 1, 2020) covers both. You still pay a Medigap premium, and you must enroll in a separate Part D plan with its own deductible for drugs.

Are deductibles the same in every state?

Medicare Part A and Part B deductibles are the same nationwide in 2025. Part D and Medicare Advantage deductibles vary by plan and location because they are set by private insurance companies. Use Medicare.gov to compare plans available in your area.

What if I cannot afford to pay my deductible?

If you have limited income, you may be may be able to access for Medicare Savings Programs, which help pay Medicare premiums, deductibles, and coinsurance. Contact your state Medicaid office or call 1-800-MEDICARE to learn whether you meet the income limits for your state.