2025 Medicare Cost Sharing
(from https://www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles)
Hospital Deductible: $1,676 / Benefit period
Hospital Coinsurance:
- Days 0-60: $0
- Days 61-90: $419 / Day
- Days 91-150: $838 Day (Lifetime Reserve Days)
Skilled Nursing Facility Coinsurance:
- Days 1-20: $0
- Days 21-100: $209.50 / Day
Part A Premium (For voluntary enrollees only)
- With 30-39 quarters of Social Security coverage: $285 / Month
- With 29 or fewer quarters of Social Security coverage: $518 / Month
Part B
- Deductible: $257 / Year
- Standard Premium: $185/Month (If individual income is <$103,000/Year)
Part B Income-Related Premium
Since 2007, a beneficiary’s Part B monthly premium has been based on his or her income. These income-related monthly adjustment amounts affect roughly 8% of people with Medicare Part B. The 2025 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table:
| Beneficiaries who file an individual tax return with income: | Beneficiaries who file a joint tax return with income: | Income-related monthly adjustment amount | Total monthly premium amount |
| Less than or equal to $103,000 | Less than or equal to $212,000 | $0 | $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 |
Similarly, Since 2011, a beneficiary’s Part D monthly premium has been based on his or her income. Approximately 8% of people with Medicare Part D pay these income-related monthly adjustment amounts. These individuals will pay the income-related monthly adjustment amount in addition to their Part D premium. Part D premiums vary by plan and, regardless of how a beneficiary pays their Part D premium, the Part D income-related monthly adjustment amounts are deducted from Social Security benefit checks or paid directly to Medicare. The 2025 Part D income-related monthly adjustment amounts for high-income beneficiaries are shown in the following table:
| Single Filers | Joint Returns | IRMAA |
| Less than or equal to $106,000 | Less than or equal to $212,000 | $0.00 |
| Greater than $106,000 and less than or equal to $133,000 | Greater than $212,000 and less than or equal to $266,000 | $13.70 |
| Greater than $133,000 and less than or equal to $167,000 | Greater than $266,000 and less than or equal to $334,000 | $35.30 |
| Greater than $167,000 and less than or equal to $200,000 | Greater than $334,000 and less than or equal to $400,000 | $57.00 |
| Greater than $200,000 and less than $500,000 | Greater than $400,000 and less than $750,000 | $78.60 |
| Greater than or equal to $500,000 | Greater than or equal $750,000 | $85.80 |