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2025 Original Medicare Costs

Medicare Part A (Hospital Insurance) Costs

Part A monthly premium

Most people don't pay a Part A premium because they paid Medicare taxes while working. If you don't get a premium-free Part A, you pay between $285.00 - $518.00 per month depending on how long they or their spouse worked and paid Medicare taxes.

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Part A Hospital Inpatient Deductible and Coinsurance

  • The Part A hospital deductible is $1,676.00 for each benefit period

  • Days 1-60: $0 coinsurance for each benefit period

  • Days 61-90: $419 coinsurance per day of each benefit period

  • Days 91 and beyond: $838 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime)

  • Beyond lifetime reserve days: all costs

  • Skilled Nursing Facility coinsurance is $209.50

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​​Medicare Part B (Medical Insurance) Costs

Part B monthly premium

Most people pay the standard Part B premium amount $185.00. Social Security will tell you the exact amount you'll pay for Part B.  However, if your modified adjusted gross income as reported on your IRS tax return from 2 years prior is above a certain amount, you'll pay the standard Part B premium and an income-related monthly adjustment amount.

 

Based on your income, here's what you'll pay for Part B in 2025

If you file an individual tax return and earn:

$106,000 or less, you will pay $185.00/mo

more than $10,000 up to $133,000, you will pay $259.00/mo

more than $133,000 up to $167,000, you will pay $370.00/mo

more than $167,000 up to $200,000, you will pay $480.90/mo

more than $200,000 up to $500,000, you will pay $591.90/m0

above $500,000, you will pay $628.90/mo.

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If you file a joint tax return and earn:

$212,000 or less, you will pay $185.00

more than $212,000 up to $266,000, you will pay $259.00/mo

more than $266,000 up to $334,000, you will pay $370.00/mo

more than $334,000 up to $400,000, you will pay $480.90/mo

more than $400,000 up to $750,000, you will pay $591.90/mo

above $750,000, you will pay $628.90/mo.

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If you file married & separate, but lived with your spouse at any time during the year and earn:

$106,000 or less, you will pay $185.00

more than $106,000 up to $394,000, you will pay $591.90/mo

above $397,000, you will pay $628.90/mo

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The Part B deductible is $257.00 per year.

After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you're a hospital inpatient), outpatient therapy, and Durable Medical Equipment (DME)

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As you can see, even after paying the premium and deductibles, original Medicare (Part A & Part B) can leave you financially vulnerable. This is where Part D (Prescription Drug Coverage), Part C (Medicare Advantage Plans), and Medigap (Medicare Supplemental Insurance) can come in handy.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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Not Connected to the Federal Medicare Program. This is a solicitation for insurance.

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Don

(805) 660-3413

Dawn

(805) 575-0462

dawnheath@brightstarins.com

Brightstar Ins. Services, 1500 Palma Drive Ventura CA United States 93004

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