2025 Medicare Premium Amounts
Medicare Part B premiums for 2025 are $174.70 per month for most people — an increase of $9.90 from 2024. Part D (prescription drug coverage) premiums vary by plan and region, typically ranging from $7 to $100+ monthly, though many people pay nothing if they choose a plan with no premium. Part A (hospital insurance) has no monthly premium for most people who paid Medicare taxes while working.
These are the standard amounts. Your actual premium may be higher if your income exceeds certain thresholds. Medicare uses a formula called Income-Related Monthly Adjustment Amount (IRMAA) that can raise your Part B and Part D costs based on your tax return from two years prior. For 2025, this means Medicare is looking at your 2023 income.
Supplemental insurance (Medigap) and Medicare Advantage plans set their own premiums, which vary widely by insurer and location. There is no single 2025 amount — you will see different prices when you compare plans in your area.
Key Takeaways
- Standard Part B premium for 2025 is $174.70 monthly, up $9.90 from 2024, and is deducted automatically from your Social Security check or paid by direct debit.
- Part D premiums depend on which prescription drug plan you choose and where you live, ranging from $0 to over $100 per month.
- If your income was above $103,000 (single) or $206,000 (married) on your 2023 tax return, you will pay a higher Part B premium through IRMAA surcharges.
- Medicare Advantage and Medigap plans have their own premiums set by insurance companies, not by Medicare, and these vary by plan and region.
- You can see your exact 2025 premium amount on your Medicare.gov account or in the notice Medicare mails in October or November 2024.
How Income Affects Your 2025 Premium
If your modified adjusted gross income (MAGI) from your 2023 tax return was higher than $103,000 (single filers) or $206,000 (married filing jointly), Medicare adds a surcharge to your Part B premium. This surcharge can range from $70 to $560 per month, depending on how much your income exceeds the threshold. Part D premiums also increase under the same income brackets.
The income limits are the same for everyone — they do not change based on your state or situation. However, if your income dropped significantly in 2024 (due to retirement, job loss, or death of a spouse), you can ask Medicare to recalculate your premium using your 2024 income instead. You will need to file a form called the Medicare Income-Related Monthly Adjustment Amount — Life-Changing Event (form SSA-44) with Social Security.
Medicare sends you a notice in October or November each year showing your income level and your resulting premium. Read this notice carefully — it tells you whether you are paying a surcharge and how much. If the income amount is wrong, you have 60 days to request a correction.
Part A, Part B, Part D, and Supplemental Coverage Costs
Part A (hospital insurance) costs nothing monthly for people who worked and paid Medicare taxes for at least 10 years. If you do not meet this requirement, Part A costs up to $505 per month in 2025. Part A also has a deductible ($1,676 per hospital stay in 2025) that you pay when you are admitted.
Part B (doctor visits and outpatient care) is $174.70 monthly in 2025 for standard-income people. You also pay a $240 annual deductible before Part B coverage begins, then 20% of the cost of most services after that. If you have a higher income, add your IRMAA surcharge to this amount.
Part D (prescription drugs) premiums depend entirely on which plan you choose. Plans are ranked by cost and coverage, and you can find the exact premium for each plan available in your ZIP code on Medicare.gov. Some plans have no monthly premium but charge higher copays at the pharmacy. Others charge a monthly premium but lower copays. The average Part D premium across all plans is around $30 to $40 monthly, but this varies significantly.
Medigap (supplemental insurance) and Medicare Advantage (Part C) are optional. Medigap premiums typically range from $100 to $300+ monthly depending on your age, location, and the plan letter you choose (Plan G, Plan N, etc.). Medicare Advantage premiums vary widely — some plans charge $0 monthly, while others charge $100 or more. Both types of plans have their own deductibles and out-of-pocket limits.
When and How You Pay Your Premiums
Part B premiums are deducted automatically from your Social Security benefit each month. If you do not receive Social Security, Medicare bills you directly by mail or through automatic bank withdrawal. You can change your payment method anytime through your Medicare.gov account or by calling 1-800-MEDICARE.
Part D premiums are paid directly to your insurance company, not to Medicare. You receive a bill from your plan each month, or you can set up automatic payments. If you miss a payment, your coverage can be suspended, so set a reminder or use autopay to avoid lapses.
Medigap and Medicare Advantage premiums are also paid directly to the insurance company. These are separate from your Part B premium and are not deducted from Social Security. You will receive a bill from your insurer each month.
Changes to Your Premium During the Year
Your premium is locked in for the calendar year — it does not change month to month unless you make a change yourself. However, if your income drops significantly (you retire, lose a job, or your spouse dies), you can request that Medicare recalculate your IRMAA surcharge using your current-year income. You must file form SSA-44 with Social Security within 60 days of the life-changing event.
If you switch to a different Part D plan or Medicare Advantage plan during the annual open enrollment period (October 15 to December 7 each year), your new plan's premium takes effect January 1. If you make a change outside of open enrollment due to a may have access to life event (moving, losing coverage, marriage, divorce), the new premium starts the first of the month after your change is processed.
Where to Find Your Exact 2025 Premium
Your personalized premium amount appears in your Medicare.gov account under "Billing and Payments." You can log in anytime to see what you will pay for Part B and any surcharges. Medicare also mails a notice in October or November showing your 2025 premium and any changes from 2024.
For Part D and Medicare Advantage plans, use the Plan Finder tool on Medicare.gov. Enter your ZIP code and the medications you take (for Part D), and the tool shows you every plan available in your area with its exact monthly premium, deductibles, and copays. You can compare plans side by side and see your total estimated costs for the year.
If you have questions about your premium or think the amount is wrong, call 1-800-MEDICARE (1-800-633-4227). Representatives can explain your IRMAA surcharge, help you request a recalculation if your income dropped, or walk you through finding a lower-cost plan.
Frequently Asked Questions
Why did my Part B premium go up so much?
Part B premiums increase each year based on the cost of medical services and the number of people on Medicare. The 2025 increase of $9.90 reflects higher healthcare costs. Additionally, if your income rose since 2023, your IRMAA surcharge may have increased. Check your Medicare notice to see whether the increase is due to the standard premium rise or an income-based surcharge.
Can I reduce my Medicare premium?
You cannot reduce the standard Part B premium, but you may lower your overall costs by choosing a lower-cost Part D plan or Medicare Advantage plan during open enrollment. If your income dropped in 2024, you can request that Medicare recalculate your IRMAA surcharge using your 2024 income, which may lower your Part B premium. Some people also reduce costs by choosing Original Medicare with a lower-cost Medigap plan instead of Medicare Advantage.
What happens if I do not pay my premium?
If you do not pay your Part B premium, your coverage can be suspended. If you do not pay your Part D premium, your plan can terminate your coverage. You can restart coverage, but there may be a gap in protection. If you are having trouble paying, contact Medicare to discuss payment options or lower-cost plans.
Do I have to pay Part B if I am still working?
Yes. Even if you are working and have employer health insurance, you still pay the Part B premium if you are enrolled in Medicare. However, if you are still working and your employer has 20 or more employees, your employer plan pays first, and Medicare pays second. You may be able to delay Part B enrollment without penalty if you have may have access to employer coverage, but you must report this to Medicare.
Will my premium change if I move to a different state?
Your Part B premium stays the same no matter where you live — it is a national amount. However, Part D and Medicare Advantage premiums vary by region, so your plan costs may change if you move. Use the Plan Finder tool on Medicare.gov to see what plans and prices are available in your new location before you move.