How Much Will Your Medicare Part B Premium Increase in 2025?
Key takeaways:
Medicare Part B (medical insurance) covers medically necessary services and supplies related to outpatient care. It also provides coverage for preventive services like diabetes screenings and flu shots.
Many people will pay a monthly premium of $185 for Medicare Part B in 2025. But you may have to pay more than this standard premium amount if your income exceeds the annual threshold.
Financial assistance through your state’s Medicare Savings Program can reduce or eliminate your premiums if you meet certain requirements.
Table of contents
Medicare is a federal health insurance program that’s divided into different parts. One of the parts is Medicare Part B, which provides coverage for a broad range of services, including medical supplies, mental health services, and some outpatient prescription medications.
Medicare Part B is typically not free. The majority of beneficiaries have to pay monthly premiums, as well as deductibles and coinsurance. Though, some people qualify for assistance from their state’s Medicare Savings Program.
Below, we’ll detail how Medicare Part B works, the related costs, and coverage details.
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What are Medicare Part B premiums?
Medicare Part A (hospital insurance) and Part B (medical insurance) are part of original Medicare. The federal government manages original Medicare, but beneficiaries typically have to pay for coverage through premiums and other out-of-pocket costs.
Your monthly premium is the amount of money you must pay directly to Medicare — or through an automatic deduction from your Social Security benefits — for coverage. Every year, Medicare sets the fixed amounts for monthly premiums, which are based on income.
How are Medicare Part B premiums changing in 2025?
The standard monthly premium for Medicare Part B is $185 in 2025, up from almost $175 in 2024.
The table below shows increases in Medicare Part B standard premiums over the last 6 years.
Year | Standard Medicare Part B premium | Change from prior year |
2025 | $185.00 | $10.30 |
$174.70 | $9.80 | |
$164.90 | -$5.20 | |
$170.10 | $21.60 | |
$148.50 | $3.90 | |
$144.60 | $9.10 |
What are the different income limits for Medicare Part B premiums?
As mentioned, your monthly premium for Medicare Part B is determined by your income. Data from the Center for Medicare and & Medicaid Services shows that about 92% of Medicare recipients will pay the standard $185 monthly premium in 2025.
If your income exceeds the threshold, you will pay the standard premium amount plus an income-related monthly adjustment amount. The U.S. Social Security Administration determines this amount based on your modified adjusted gross income (MAGI) from 2 years ago. So your Medicare Part B premiums for 2025 are based on your MAGI in 2023..
The table below shows the monthly Medicare Part B premium you will pay in 2025 based on your filing status and MAGI in 2023, which can be found on your Form 1040 from that year.
Medicare Part B premium for 2025 | Qualifying income for single individual | Qualifying income for married couple filing a joint return | Qualifying income for married couple filing a separate return |
$ 185.00 | $106,000 or less | $ 212,000 or less | $106,000 or less |
$259.00 | Above $106,000 up to $133,000 | Above $212,000 up to $266,000 | N/A |
$370.00 | Above $133,000 up to $167,000 | Above $266,000 up to $334,000 | N/A |
$480.90 | Above $167,000 up to $200,000 | Above $334,000 up to $400,000 | N/A |
$591.90 | Above $200,000 up to $500,000 | Above $400,000 up to $750,000 | Above $106,000 up to $394,000 |
$628.90 | $500,000 or above | $750,000 or above | $394,000 or above |
Source: Medicare.gov
What does Medicare Part B cover? From mental health support to preventive services, here are examples of what Medicare Part B covers.
Is Medicare Part A free? While Medicare Part A premiums are free for most people, there are other potential out-of-pocket costs, such as copays and deductibles.
Considering a Medicare Advantage Plan? Here are some pros and cons to help you choose the best plan.
So let’s say you are married and file a joint tax return, and in 2023, your MAGI was $223,000. You will have to pay a monthly premium of $259 in 2025.
What’s covered by Medicare Part B?
Medicare Part B covers medically necessary services and supplies related to outpatient care. To qualify for Medicare Part B coverage, services and supplies must be for the diagnosis and treatment of an illness, injury, or disease.
The following are examples of commonly covered services and supplies:
Physician services
Lab tests
X-rays
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Medicare Part B also covers preventive care services and screenings, including:
Alcohol misuse screenings and counseling
Cardiovascular disease screenings
Depression screenings
Diabetes screenings
Flu shots
Hepatitis B shots
Nutrition therapy services
You can talk to your health professional to get a better idea of how Medicare covers preventative care. You can also use Medicare’s online search tool to check if a specific item, service, or test is covered.
How much should you expect to pay for your deductible and coinsurance?
For 2025, you will pay a Part B annual deductible of $257. A deductible is the amount you pay before your health plan reimburses you for any approved medical costs. For Medicare Part B, the annual deductible is the same for all beneficiaries, regardless of income.
After you pay your Part B deductible, you will likely be responsible for paying coinsurance. This is the percentage of your medical expenses you must cover. For Medicare Part B, you typically pay 20% of the costs, and Medicare pays the rest.
For example, let’s say you visit your healthcare professional and the bill comes to $300. If you’ve paid your annual deductible, your coinsurance would likely be $60, while Medicare would pay $240.
Can you reduce your Medicare Part B premiums?
If you have a lower income, you can apply for assistance from your state’s Medicare Savings Program. If you qualify, your state will pay your Part B premiums.
There are four Medicare Savings Programs:
Qualified Medicare Beneficiary program
Specified Low-Income Medicare Beneficiary program
Qualifying Individual program
Qualified Disabled & Working Individual program
Each program has their own qualifications, such as monthly income limit and resource limits.
Can your Medicare Part B premiums be automatically deducted from your Social Security benefits?
Yes, Medicare Part B premiums can be automatically deducted for some people.
There is an automatic deduction option if you receive benefits from one of the following:
Social Security Administration
U.S. Railroad Retirement Board
U.S. Office of Personnel Management
How do you pay for Medicare Part B premiums if you are not collecting Social Security?
If you do not receive Social Security benefits, then you will need to pay your monthly premiums directly to Medicare. The agency will bill you every 3 months if you only pay premiums for Medicare Part B. But if you pay premiums for Medicare Part A, you will receive a bill every month.
Here are ways you can make your payments
Pay online with your credit card or debit card or directly from your checking or savings account.
Use the Medicare Easy Pay automatic payment system.
Use your bank's online bill payment service.
Submit payments by mail.
If you are late on a payment, Medicare will include the outstanding amount in the next bill. If you receive a message about being delinquent, you will need to pay immediately. If not, you could lose coverage.
The bottom line
Most people are required to pay monthly premiums for Medicare Part B, which covers a variety of outpatient and preventative services. The standard Medicare Part B premium for 2025 is $185, but you could pay more depending on your income. If you cannot afford your Part B premiums, you may be able to get assistance from your state’s Medicare Savings Program.
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References
Centers for Disease Control and Prevention. (n.d.). Vaccines and the diseases they prevent.
Centers for Medicare & Medicaid Services. (2019). 2020 Medicare Parts A & B premiums and deductibles.
Centers for Medicare & Medicaid Services. (2020). 2021 Medicare Parts A & B premiums and deductibles.
Centers for Medicare & Medicaid Services. (2021). 2022 Medicare Parts A & B premiums and deductibles/2022 Medicare Part D income-related monthly adjustment amounts.
Centers for Medicare & Medicaid Services. (2022). 2023 Medicare Parts A & B premiums and deductibles/2023 Medicare Part D income-related monthly adjustment amounts.
Centers for Medicare & Medicaid Services. (2023). 2024 Medicare Parts A & B premiums and deductibles.
Centers for Medicare & Medicaid Services. (2024). 2025 Medicare Parts A & B premiums and deductibles.
Internal Revenue Service. (n.d.). Modified adjusted gross income (MAGI).
Medicare.gov. (n.d.). Costs.
Medicare.gov. (n.d.). How to pay Part A & Part B premiums.
Medicare.gov. (n.d.). Medicare Easy Pay.
Medicare.gov. (n.d.). Medicare Savings Programs.
Medicare.gov. (n.d.). Preventive and screening services.
Medicare.gov. (n.d.). What does Medicare cost?
Medicare.gov. (n.d.). What Part B covers.
