2025 Medicare Part B Deductible
For 2025, the Medicare Part B Deductible is $257 (Deductible) and $185 (Standard premium).
Effective 2025-01-01Source: Welcome to Medicare (CMS Product No. 11989, January 2025) (Medicare)Verified 2026-08-29
Compared with 2024
| Item | 2024 | 2025 | Change |
|---|---|---|---|
| Deductible | $240 | $257 | +$17 (+7.1%) |
| Standard premium | $174.70 | $185 | +$10.30 (+5.9%) |
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
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. 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)
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.
In 2025, the standard Part B premium is $185.