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.