2025 Medicare Part B Premium/Deductible
For 2025, the Medicare Part B Premium/Deductible figures are $257 (Deductible), $185 (Standard premium), $1,676 (Part A inpatient hospital deductible) and 10 more figures below.
| Item | Individual filers | Joint filers |
|---|---|---|
| Tier 2 | $106,000 | $212,000 |
| Tier 3 | $133,000 | $266,000 |
| Tier 4 | $167,000 | $334,000 |
| Tier 5 | $200,000 | $400,000 |
| Tier 6 | $500,000 | $750,000 |
Effective 2025-01-01Source: Welcome to Medicare (CMS Product No. 11989, January 2025) (Medicare)Verified 2026-09-04
Standard premium, Part A inpatient hospital deductible, Tier 2, individual filers, Tier 2, joint filers, Tier 3, individual filers, Tier 3, joint filers, Tier 4, individual filers, Tier 4, joint filers, Tier 5, individual filers, Tier 5, joint filers, Tier 6, individual filers, Tier 6, joint filersSource: 2025 Medicare Parts A & B Premiums and Deductibles (CMS)Verified 2026-09-04
Compared with 2024
| Item | 2024 | 2025 | Change |
|---|---|---|---|
| Deductible | $240 | $257 | +$17 (+7.1%) |
| Standard premium | $174.70 | $185 | +$10.30 (+5.9%) |
| Part A inpatient hospital deductible | $1,632 | $1,676 | +$44 (+2.7%) |
| Tier 2, individual filers | $103,000 | $106,000 | +$3,000 (+2.9%) |
| Tier 2, joint filers | $206,000 | $212,000 | +$6,000 (+2.9%) |
| Tier 3, individual filers | $129,000 | $133,000 | +$4,000 (+3.1%) |
| Tier 3, joint filers | $258,000 | $266,000 | +$8,000 (+3.1%) |
| Tier 4, individual filers | $161,000 | $167,000 | +$6,000 (+3.7%) |
| Tier 4, joint filers | $322,000 | $334,000 | +$12,000 (+3.7%) |
| Tier 5, individual filers | $193,000 | $200,000 | +$7,000 (+3.6%) |
| Tier 5, joint filers | $386,000 | $400,000 | +$14,000 (+3.6%) |
| Tier 6, individual filers | $500,000 | $500,000 | +$0 (+0.0%) |
| Tier 6, joint filers | $750,000 | $750,000 | +$0 (+0.0%) |
Tier 2
Tier 3
Tier 4
Tier 5
Tier 6
$106,000$750,000
One dot per column of the table, on a scale running from the smallest of these amounts to the largest. The scale is logarithmic, so that the amounts crowded at the low end stay far enough apart to read. The table states which dot is which.
Who it applies to
People enrolled in Medicare Part B (Medical Insurance), which covers doctor visits, outpatient care, durable medical equipment, and preventive services. Most people also pay a monthly Part B premium, which is $185 per month for 2025 at the standard rate. Higher-income beneficiaries pay more than the standard premium.
What changed this year, and why
For 2025, the Medicare Part B deductible is $257. This is the amount beneficiaries must pay out of pocket for covered services before Medicare begins to pay its share. After the deductible is met, beneficiaries generally pay a portion of the Medicare-approved cost of each Part B service.
Common questions
- What is the Medicare Part B deductible for 2025?
- The Medicare Part B deductible for 2025 is $257.
- What is the standard Medicare Part B premium for 2025?
- The standard Medicare Part B premium for 2025 is $185 per month.
Every amount on this page is a published figure rather than yours. The Medicare Part B deductible still to pay takes the number you enter and works it out against them, showing which published figure it used.
What the Part B deductible applies to
Medicare Part B covers physicians' services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A. The annual deductible for all Medicare Part B beneficiaries will be $257 in 2025. Before Medicare begins to pay its share of covered services, beneficiaries must first meet this deductible out of pocket. Once the $257 deductible is satisfied, beneficiaries typically pay coinsurance or copayments for covered services for the remainder of the calendar year. The standard monthly premium for Medicare Part B enrollees is $185 in 2025, which is separate from the deductible amount.
Medicare Part B covers physicians’ services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A.
2025 Medicare Parts A & B Premiums and Deductibles (CMS)
Part A has its own separate deductible
Medicare Part A has its own deductible, separate from the Part B deductible. Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, inpatient rehabilitation, and some home health care services. The Part A deductible applies each time a beneficiary is admitted to the hospital for a benefit period, not annually like the Part B deductible. This means a beneficiary could pay the Part A deductible more than once in a year if they have multiple hospital admissions that qualify as separate benefit periods. The Part A deductible is significantly higher than the Part B deductible, reflecting the substantial costs associated with inpatient hospital care.
Medicare Part A covers inpatient hospitals, skilled nursing facilities, hospice, inpatient rehabilitation, and some home health care services.
2025 Medicare Parts A & B Premiums and Deductibles (CMS)
Why most people pay no Part A premium
This premium-free Part A eligibility is automatic for most people who have accumulated enough work credits during their employment history. Those who do not meet the 40-quarter requirement may still enroll in Part A but must pay a monthly premium based on their work history. The 40-quarter rule ensures that the vast majority of Americans who have contributed to Medicare throughout their working lives receive Part A coverage without an additional monthly premium charge, which is why 99% of beneficiaries pay nothing for Part A.
About 99% of Medicare beneficiaries do not have a Part A premium since they have at least 40 quarters of Medicare-covered employment, as determined by the Social Security Administration.
2025 Medicare Parts A & B Premiums and Deductibles (CMS)
The Part A deductible is per benefit period, not per year
The Medicare Part A inpatient hospital deductible is applied per benefit period, not on an annual basis like the Part B deductible. A benefit period begins when a beneficiary is admitted to a hospital or skilled nursing facility and ends when they have not received inpatient care for 60 consecutive days. The Part A deductible covers the beneficiary's share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. This means if a beneficiary is hospitalized, pays the deductible, is discharged, and then hospitalized again after 60 days have passed, they would need to pay the Part A deductible again for the new benefit period. This structure differs significantly from the annual Part B deductible.
The Part A inpatient hospital deductible covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period.
2025 Medicare Parts A & B Premiums and Deductibles (CMS)
Married, living together, filing separately: the income surcharge jumps
Medicare beneficiaries who are married and lived with their spouse at any time during the taxable year, but file separate tax returns, face significantly higher income-related monthly adjustment amounts (IRMAA) compared to those filing jointly. For those with full Part B coverage filing separately, if their modified adjusted gross income is less than or equal to $106,000, they pay no IRMAA and the standard premium of $185. However, if their income exceeds $106,000 but is less than $394,000, they pay an IRMAA of $406.90, bringing their total monthly premium to $591.90. For income of $394,000 or more, the IRMAA increases to $443.90, resulting in a total monthly premium of $628.90. These thresholds are much lower than those for married couples filing jointly, making the married-filing-separately status particularly costly for higher-income beneficiaries.
Premiums for high-income beneficiaries with full Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows: Full Part B Coverage Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses with modified adjusted gross income: Income-Related Monthly Adjustment Amount Total Monthly Premium Amount Less than or equal to $106,000 $0.00 $185.00 Greater than $106,000 and less than $394,000 406.90 591.90 Greater than or equal to $394,000 443.90 628.90
2025 Medicare Parts A & B Premiums and Deductibles (CMS)
The six income tiers that raise your Part B premium
Medicare bases the Part B premium on income: beneficiaries above certain thresholds pay the standard premium plus an Income-Related Monthly Adjustment Amount (IRMAA). For 2025, full Part B coverage has six income tiers, split by whether you file an individual or a joint tax return. Individual filers with modified adjusted gross income up to $106,000 (joint filers up to $212,000) pay no IRMAA, just the standard premium of $185.00. Individual income above $106,000 and up to $133,000 (joint: above $212,000 and up to $266,000) adds an IRMAA of 74.00, for a total monthly premium of 259.00. Individual income above $133,000 and up to $167,000 (joint: above $266,000 and up to $334,000) adds 185.00, for a total of 370.00. Individual income above $167,000 and up to $200,000 (joint: above $334,000 and up to $400,000) adds 295.90, for a total of 480.90. Individual income above $200,000 and below $500,000 (joint: above $400,000 and below $750,000) adds 406.90, for a total of 591.90. Individual income of $500,000 or more (joint: $750,000 or more) adds 443.90, for a total monthly premium of 628.90.
The 2025 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table: Full Part B Coverage Beneficiaries who file individual tax returns with modified adjusted gross income: Beneficiaries who file joint tax returns with modified adjusted gross income: Income-Related Monthly Adjustment Amount Total Monthly Premium Amount Less than or equal to $106,000 Less than or equal to $212,000 $0.00 $185.00 Greater than $106,000 and less than or equal to $133,000 Greater than $212,000 and less than or equal to $266,000 74.00 259.00 Greater than $133,000 and less than or equal to $167,000 Greater than $266,000 and less than or equal to $334,000 185.00 370.00 Greater than $167,000 and less than or equal to $200,000 Greater than $334,000 and less than or equal to $400,000 295.90 480.90 Greater than $200,000 and less than $500,000 Greater than $400,000 and less than $750,000 406.90 591.90 Greater than or equal to $500,000 Greater than or equal to $750,000 443.90 628.90
2025 Medicare Parts A & B Premiums and Deductibles (CMS)
The sign-up window is 7 months, not just your birthday month
The letter sent to someone turning 65 gives them a 7-month window from the date printed on the letter to enroll in Part B. This is not simply the birthday month itself - it starts earlier and extends after, so the beneficiary has several months to complete the enrollment process. If the person wants Part B, they must act within those 7 months; missing the window can mean waiting until the General Enrollment Period and possibly paying a late enrollment penalty. The 2025 Part B deductible is $257, and the standard monthly premium is $185.
If you want Part B, you have 7 months from the date on this letter to sign up.
Welcome to Medicare (CMS Product No. 11989, January 2025) (CMS)
How you actually sign up for Part B
To sign up for Part B, someone can download Form CMS-40B (Application for Enrollment in Medicare Part B) from Medicare.gov, complete and sign it, then return it to their local Social Security office. Alternatively, they can go to SSA.gov/medicare/sign-up or contact a local Social Security office directly. The 2025 Part B deductible is $257, and the standard monthly premium is $185.
You can sign up for Part B by: • Downloading Form CMS-40B (Application for Enrollment in Medicare Part B) at Medicare.gov/
Welcome to Medicare (CMS Product No. 11989, January 2025) (CMS)
Waiting to sign up costs you a permanent penalty
Waiting to sign up for Medicare Part B costs you a permanent penalty if you are not eligible for a Special Enrollment Period. For each full 12-month period you could have had Part B but did not take it, you will pay 10% more on top of the standard monthly premium. This penalty applies every time you pay your premiums, for as long as you have Part B coverage. The longer you go without Part B, the higher the penalty grows. For 2025, the standard Part B premium is $185 per month and the annual deductible is $257. The penalty is calculated as a percentage increase added to that standard premium.
How much is the penalty if I sign up later? If you sign up for Part B later and you aren’t eligible for a Special Enrollment Period, you’ll pay 10% more for each full 12-month period you could’ve had Part B but didn’t take it. In most cases, you’ll have to pay this late enrollment penalty each time you pay your premiums, for as long as you have Part B.
Welcome to Medicare (CMS Product No. 11989, January 2025) (CMS)
How each figure was verified
Each number below was read from a stored copy of the document named beside it, and checked to occur word for word in the quoted sentence. The digest is of that stored text.
Welcome to Medicare (CMS Product No. 11989, January 2025) (Medicare)
- Deductible
The deductible for Part B is $257 in 2025.
2025 Medicare Parts A & B Premiums and Deductibles (CMS)
The standard monthly premium for Medicare Part B enrollees will be $185.00 for 2025, an increase of $10.30 from $174.70 in 2024.
- Part A inpatient hospital deductible
The Medicare Part A inpatient hospital deductible that beneficiaries pay if admitted to the hospital will be $1,676 in 2025, an increase of $44 from $1,632 in 2024.
- Tier 2, individual filers
Greater than $106,000 and less than or equal to $133,000 Greater than $212,000 and less than or equal to $266,000 74.00
- Tier 2, joint filers
Greater than $106,000 and less than or equal to $133,000 Greater than $212,000 and less than or equal to $266,000 74.00
- Tier 3, individual filers
Greater than $133,000 and less than or equal to $167,000 Greater than $266,000 and less than or equal to $334,000 185.00
- Tier 3, joint filers
Greater than $133,000 and less than or equal to $167,000 Greater than $266,000 and less than or equal to $334,000 185.00
- Tier 4, individual filers
Greater than $167,000 and less than or equal to $200,000 Greater than $334,000 and less than or equal to $400,000 295.90
- Tier 4, joint filers
Greater than $167,000 and less than or equal to $200,000 Greater than $334,000 and less than or equal to $400,000 295.90
- Tier 5, individual filers
Greater than $200,000 and less than $500,000 Greater than $400,000 and less than $750,000 406.90
- Tier 5, joint filers
Greater than $200,000 and less than $500,000 Greater than $400,000 and less than $750,000 406.90
- Tier 6, individual filers
Greater than or equal to $500,000 Greater than or equal to $750,000 443.90
- Tier 6, joint filers
Greater than or equal to $500,000 Greater than or equal to $750,000 443.90