Medicare Premiums

Medicare Costs in 2025


Medicare premiums remain consistent across many states, but they can vary depending on your location, the type of Medicare coverage you choose, and the insurance providers available in your area. To get accurate, up-to-date rate information tailored to your situation, contact our office to speak with a knowledgeable, licensed Medicare agent—we're here to help!


Disclaimer: The educational information provided about Medicare premiums was sourced from Medicare.gov.

Click the options below to see 2025 rates. These are presented as a guide only. 

Beneficiary Pays for Part A Monthly Premium

Most people do not pay a monthly Part A premium because they or a spouse has 40 or more quarters of Medicare-covered employment.


  • $518/month for those with fewer than 30 quarters of Medicare-covered employment


  • $285/month for those with 30-39 quarters of Medicare-covered employment

Beneficiary Pays for Skilled Nursing Facility Stay

  • $0 for the first 20 days of each benefit period


  • $209.50 per day for days 21–100 of each benefit period


  • All costs for each day after day 100 of the benefit period

Beneficiary Pays for Hospital Stay

  • $1,676 deductible per benefit period


  • $0 for the first 60 days of each benefit period


  • $419 per day for days 61–90 of each benefit period


  • $838 per “lifetime reserve day” after day 90 of each benefit period (up to a maximum of 60 days over your lifetime)

Beneficiary Pays for Part B Monthly Premium

Most people pay the standard Part B premium amount which is $185.00 in 2025


  • If your income was more than $106,000 ($212,001 filing joint) you’ll pay $259.00


  • If your income was more than $133,000 ($266,001 filing joint) you’ll pay $370.00


  • If your income was more than $167,001 ($334,001 filing joint) you’ll pay $480.90


  • If your income was more than $200,001 ($400,001 filing joint) you’ll pay $591.90


  • If your income was more than $500,000 ($750,000 filing joint) you’ll pay $628.90

Beneficiary Pays for Part B Services

  • $257.00 deductible per benefit period


  • 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, outpatient mental health services, certain home health services, and durable medical equipment

Part C - Medicare Advantage

Medicare Advantage plans combine Part A  and Part B into one plan and are offered by Medicare-approved health insurance companies as an alternative to your Original Medicare coverage. Premiums and out-of-pocket costs may vary depending on your plan; however, some premiums can be as low as $0, in addition to your monthly Medicare Part B premium (see above). To ensure you find a plan that fits your specific healthcare needs and budget, please contact our licensed Medicare agent for professional assistance.

Part D - Prescription Drug Coverage

  • Monthly Premium for Medicare Part D

    For 2025 Medicare Part D Costs, most drug plans charge a monthly fee that varies by plan. You pay this in addition to the Part B premium. If you’re in a Medicare Advantage Plan (Part C) or Medicare Cost Plan with drug coverage, the monthly premium may include an amount for drug coverage.


    • If your income was more than $106,000 ($212,000 filing joint) you’ll pay $13.70 + your plan premium
    • If your income was more than $133,000 ($266,000 filing joint) you’ll pay $35.30 + your plan premium
    • If your income was more than $167,000 ($334,000 filing joint) you’ll pay $57.00 + your plan premium
    • If your income was more than $200,000 ($400,000 filing joint) you’ll pay $78.60 + your plan premium
    • If your income was more than $500,000 ($750,000 filing joint) you’ll pay $85.80 + your plan premium

  • Yearly Deductible

    Deductibles vary between Medicare drug plans. Some Medicare drug plans don’t have a deductible.


    • No Medicare drug plan may have a deductible more than $590 in 2025.

  • Copayments & Out-of-Pocket Threshold

    New in 2025, since they have eliminated the Donut Hole in 2025, once your deductible is met, you’ll pay a coinsurance (copay) for prescription drugs. 


    Initial coverage limit is $2,000. Once you reach this amount, you’ll automatically get catastrophic coverage and won’t have to pay out-of-pocket for covered Part D drugs for the rest of the year.

  • Catastrophic Coverage

    Once you reach your threshold ($2,000), you won’t have to pay out-of-pocket for covered Part D drugs for the rest of the year.

  • Insulin Costs

    In 2025, Medicare Part D will limit insulin copayments to $35 per month for covered prescriptions:


    • This applies to insulin received through durable medical equipment, such as insulin pumps, through Medicare Part B
    • There is no deductible
    • The $35 limit applies even if you get Extra Help to lower your prescription drug costs
    • A 3-month supply of insulin costs no more than $105

  • Cost for Vaccines

    Starting in 2023 and beyond, most vaccines covered under Medicare Part D will be free.


    This means in 2025 you pay no deductible, coinsurance or copay for vaccines — even the shingles vaccine, RSV, Tetanus, Whooping Cough, Flu and Covid 19 — covered by Medicare Part D.

Medicare Supplement Plans

Medicare Supplement insurance will lower your medical costs by paying all or a portion of your out-of-pocket costs that your Original Medicare doesn’t cover. Premiums vary depending on the plan you choose, the carrier who offers the plan, the area in which you live and your age. Most often you can see any doctor you wish. Click below to see plans and coverage details. To purchase the right plan for your specific needs and budget, please contact our Licensed Medicare Agent.

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