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Medicare Rate Increases in 2025
Reviewed by John Krahnert
Some 2025 Original Medicare premium rates are higher than in 2024. Learn the Part A and Part B deductibles, premiums and more.
Original Medicare (Part A and Part B) includes some out-of-pocket costs such as deductibles and monthly premiums. Your Medicare Part B premium rate can increase based on your income.
The standard Part B premium is $185 in 2025.
Medicare rates, deductibles and copays
Every year, the Centers for Medicare and Medicaid determine rates for Medicare Part B premiums. If your reported income two years prior is above a specific threshold, you may have to pay more than the standard premium.
Though most beneficiaries will not pay a monthly premium for Medicare Part A, some people may have to pay up to $518 per month in 2025.
Both Medicare Part A and Part B have deductibles and coinsurance.
- In 2025, the Medicare Part A deductible for inpatient hospital care is $1,676 per benefit period.
Inpatient hospital stays that last longer than 60 days also require daily coinsurance payments. - The Medicare Part B deductible for 2025 is $257 per year.
After your deductible is met, you typically have to pay a 20% coinsurance of the Medicare-approved amount for doctor’s office visits, outpatient therapy and medical equipment.
Original Medicare does not typically cover prescription drugs.
If you want to sign up for Medicare prescription drug coverage or switch plans, you can consider enrolling in:
- A Medicare Advantage Prescription Drug plan (MA-PD)
- A Medicare Part D prescription drug plan
You can learn more about Part D plans available where you live and enroll in a Medicare prescription drug plan online when you visit MyRxPlans.com.
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Managing your Medicare costs
Medicare Advantage plans may help some enrollees save money on health care costs.
All Medicare Advantage plans offer the same basic benefits available through Original Medicare and may offer benefits not found in Original Medicare.
Medicare Advantage plans also include an annual out-of-pocket spending limit, which could help protect you from Medicare costs that can add up quickly when you have a serious illness or injury.
Medicare Advantage plans are sold by private insurers, so monthly costs and rate increases will vary based on your plan.
To learn more and to select the right Medicare Advantage plan for you, call today to speak with a licensed insurance agent.
About the author
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
..Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.
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Thanks for signing up for our emails!
Your Medicare guide will arrive in your email inbox shortly. You can also look forward to informative email updates about Medicare and Medicare Advantage.
If you'd like to speak with an agent right away, we're standing by for that as well. Give us a call!
LICENSED AGENTS AVAILABLE NOW