How Much Does Medicare Cost in 2025?
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In 2025, Original Medicare (Parts A and B) costs $185 per month for most people.
For all Medicare plans, costs depend on the plan you buy, the company you choose, your income and sometimes your age. For this reason, you should carefully balance your coverage needs and the costs of the plans when choosing your Medicare plan.
How much does Medicare cost?
The monthly cost of Medicare (also called the Medicare premium) will depend on what parts and plans you select for your coverage.
Medicare plan | Monthly cost |
|---|---|
| Part A (hospital) | $0 |
| Part B (medical) | $185 |
| Part C (bundle) | $28 |
| Part D (prescriptions) | $65 |
| Medicare Supplement Plan G | $159 |
Medicare Supplement cost represents the average price for a 65-year-old nonsmoking woman with a Plan G policy.
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Medicare Part A cost
- Monthly cost: Usually free
- Deductible in 2024: $1,676
About 99% of Medicare enrollees get Medicare Part A for free. Those who don't qualify will pay between $285 and $518 per month in 2025, with the exact amount based on how much full-time work they had before the age of 65.
Medicare Part A costs nothing for most people because of the Medicare taxes they paid when they were younger.
You don't need to pay anything for Medicare Part A if you've worked for 10 years (40 quarters) or more.
For 2025, the Medicare Part A deductible is $1,676. That's $44 more than last year. Keep in mind that most Medigap policies will pay for your Part A deductible. With Medicare Advantage, you'll pay your plan's deductible instead of the Part A deductible.
Cost of Medicare Part B
- Standard cost in 2025: $185 per month
- Annual deductible in 2025: $257
For most people, the cost of Medicare Part B for 2025 is $185 per month. You'll pay an extra charge, called IRMAA, if you earn more than $106,000 ($206,000 for a married couple).
If you earn a high income, the cost of Medicare Part B is based on your from the previous year.
Part B cost with IRMAA by annual income
Individuals | Monthly rate |
|---|---|
| $106,000 or less | $185 |
| $106,001-$133,000 | $259 |
| $133,001-$167,000 | $370 |
| $167,001-$200,000 | $480.90 |
| $200,001-$500,000 | $591.90 |
| $500,001 or more | $628.90 |
Double the income for individuals to get limits for a married couple.
If you have a low income, you can get help paying for Medicare Part B through several government programs including Medicaid, Supplemental Security Income (SSI) and the Medicare Savings Program.
Besides the monthly rate or premium, enrollees in Medicare Part B are also responsible for paying the $257 per year deductible.
Medicare Supplement Plans C or Plan F cover the Part B Medicare deductible. However, you can only buy these plans if you became eligible for Medicare before Jan. 1, 2020. If you have a Medicare Advantage plan, you don't have to worry about the Part B deductible because the plan will set its own deductible.
Medicare Part C cost
- Average cost in 2025: $28 per month
- Annual deductible in 2025: Varies by plan
In 2025, the average cost of a Medicare Advantage (Part C) plan is $28 per month.
Keep in mind that three quarters of people who have Medicare Advantage don't pay a monthly rate. Plans with higher rates may offer better coverage than cheaper plans.
Private insurance companies sell Part C plans. These bundled plans combine several types of coverage together, and they usually have low monthly costs. The trade-off is that you'll need to use doctors who are in the plan's network to get the best prices.
Every policy will have different costs you're responsible for paying. You should shop around on the Medicare.gov website to find the best Medicare Advantage policy.
Medicare Part D cost
- Average cost in 2025: $65 per month
- Typical drug deductible in 2025: $450
Costs for Medicare Part D will vary based on the plan you choose and your household income.
For 2025, Medicare Part D plans cost an average of $65 per month. The deductible amount will also vary by plan, with average drug deductibles being $450. If your annual income is over $106,000, you’ll also pay an extra fee on top of the plan's cost. Only about 8% of enrollees pay this higher rate, which is automatically taken from yourSocial Security benefits if you qualify.
Part D cost with IRMAA by annual income
Individuals income | Monthly rate |
|---|---|
| $106,000 or less | $0 |
| $106,001-$133,000 | $13.70 |
| $133,001-$167,000 | $35.30 |
| $167,001-$200,000 | $57.00 |
| $200,001-$500,000 | $78.60 |
| $500,001 or more | $85.80 |
Double the income for individuals to get limits for a married couple.
For example, let's say you decided to get a Medicare Part D policy with a listed rate of $50 per month, and your income for last year was $150,000. Your adjusted monthly cost would be $85.30 ($50 + $35.30).
Cost of Medicare Supplement (Medigap)
For 2025, a Plan G Medigap policy, the most popular Medigap plan choice, costs an average of $159 per month. Keep in mind that the cost you pay for Medigap will depend on the company you buy from, the state you live in and the Medigap plan letter you choose.
Different plan letters have different prices since each policy has a different level of coverage. For example, Medigap Plan G, a plan with better coverage, costs more than Plan K, a cheaper plan with less coverage.
Medigap plan | Cost |
|---|---|
| Plan A | $151 |
| Plan B | $195 |
| Plan C | $221 |
| Plan D | $177 |
| Plan F | $199 |
| High-deductible F | $54 |
| Plan G | $159 |
| High-deductible G | $49 |
| Plan K | $83 |
| Plan L | $126 |
| Plan M | $143 |
| Plan N | $121 |
Monthly rate for a 65-year-old female nonsmoker.
Medicare Supplement prices will also differ based on where you live and whether the plan can set rates based on age or current health. There are three different ways in which companies price Medigap policies:
- Community rated: This is the simplest rating system where everyone who has the same Medigap policy pays the same rate. This means your age doesn't affect your monthly rate, but your costs may go up with inflation.
- Issue-age rated: Your monthly rate is based on the age you are when you buy the Medicare Supplement plan. In this case, rates will be lower if you buy when you're younger. For example, if you bought a Medigap policy at age 65, you'll pay $200 per month, but if you bought the same plan at 80, you might pay $300 per month.
- Attained-age rated: Your age directly influences your Medicare monthly rate. In other words, your rate will change every year and increase as you get older. For example, you may have started paying $150 per month for your Medigap policy at age 65, but by the time you are 75, you could be paying $250 per month.
These differences in how companies set rates can vastly change the amount you will pay for Medigap coverage during your lifetime. You'll pay less at age 65 and your monthly rate will increase steadily over time with attained age pricing. In contrast, you will see higher rates at age 65, but the cost increases won't be as high if you have a community-rated plan.
Frequently asked questions
How much does Medicare cost?
Medicare costs $185 per month for Part B, $28 for Medicare Advantage, $65 for Part D and $159 for Medicare Supplement Plan G, on average. Medicare Part A is free for most people.
Keep in mind, the amount you pay for Medicare Advantage, Part D and Medigap will depend on factors such as where you live and the plan you choose. Also, you may pay an extra surcharge, called IRMAA, for Medicare Part B and D if you earn a higher income.
How much will Medicare premiums increase in 2025?
The cost of Medicare Part B went up from $174.70 to $185 between 2024 and 2025. Medicare Advantage plans got $1 more expensive, on average, rising from $27 to $28 per month, and Medigap Plan G, the most popular Medigap plan available, rose from $148 per month to $159 per month, on average.
Does Medicare cover 100% of hospital bills?
No, Original Medicare (Parts A and B) covers 80% of your hospital bills, on average. It's a good idea to get a Medigap plan to cover the costs you're responsible for with Medicare if you don't have a Medicare Advantage plan.
Methodology and sources
Medicare cost, deductible and income adjustment data are from Medicare.gov and the Centers for Medicare & Medicaid Services (CMS).
ValuePenguin calculated Medicare Advantage costs based on data for 2025 plans that include prescription drug coverage. Special needs plans, sanctioned plans, PACE plans, prepayment plans (HCPPs), Medicare savings account (MSA) plans, Medicare-Medicaid plans and employer-sponsored plans were excluded from our analysis.
The cost for Medicare Part D is based on the average of available stand-alone prescription drug plans, excluding employer-sponsored and sanctioned plans. The average cost of Medicare Supplement plans is based on rates for a 65-year-old woman who does not smoke and excludes high-deductible plans, select plans and states with nonstandardized plans.
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Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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