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There are two parts to Original Medicare — Part A (hospital insurance) and Part B (medical insurance).
While most people receive Part A without a premium, most beneficiaries must pay a premium for Part B. In 2025, the standard Medicare Part B premium is $185 per month.
But did you know that your Part B premium could be higher based on your income? Did you also know that you may face other Part B costs, such as a deductible and coinsurance or copays?
Learn more about 2025 Medicare Part B costs and the average premium you might pay, based on your income from two years prior.
The Medicare Part B premium is standardized by the federal government. This means everyone pays the same price, right?
Well, not exactly.
The Income-Related Monthly Adjustment Amount (IRMAA) is an adjusted cost that some beneficiaries must pay for their Part B premium because they have a higher income.
The adjustment amount is based on your reported income from two years prior. This means that if you must pay a Medicare Part B IRMAA in 2025, it is dependent on your reported income from two years prior.
The chart below outlines the Part B premium for all income brackets affected by IRMAA.
| 2023 Individual tax return | 2023 Joint tax return | 2023 Married and separate tax return | 2025 Part B premium |
|---|---|---|---|
| $106,000 or less | $212,000 or less | $106,000 or less | $185.00 |
| More than $106,000 and up to $133,000 | More than $212,000 and up to $266,000 | N/A | $259.00 |
| More than $133,000 and up to $167,000 | More than $266,000 and up to $334,000 | N/A | $370.00 |
| More than $167,000 and up to $200,000 | More than $334,000 and up to $400,000 | N/A | $480.90 |
| More than $200,000 and less than $500,000 | More than $400,000 and less than $750,000 | More than $106,000 and less than $394,000 | $591.90 |
| $500,000 or more | $750,000 or more | $394,000 or more | $628.90 |
For some beneficiaries, their 2025 average Part B premium may be slightly lower than the standard amount because of two potential factors.
These income limit amounts may increase. If your income and financial resources are slightly higher than what's listed above, you should still apply.
Part B is optional. However, if you do not sign up for Medicare Part B during your Initial Enrollment Period (IEP) and decide you want to enroll in Part B later on, you will be charged a late enrollment penalty for the rest of the time that you have Part B.
The penalty raises your Part B premium by up to 10 percent for each year that you were eligible for Part B but did not sign up. The penalty remains in force for as long as you continue to be enrolled in Part B.
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There are a few other out-of-pocket Part B costs that you may be required to pay in 2025.
Medicare Part B doesn't include an out-of-pocket spending limit. This means that there is no limit to how much you could potentially pay out-of-pocket for Part B coinsurance costs or Part B excess charges in 2025.
A Medicare Supplement Insurance (Medigap) plan could help cover certain Part B out-of-pocket costs.
Medicare Supplement Insurance, or Medigap, is a type of private insurance that is used along with Original Medicare (Part A and Part B) to provide coverage for some of Original Medicare's out-of-pocket costs.
Medicare Supplement Insurance can provide partial or full coverage of your Part B coinsurance or copayments in 2025. Certain Medigap plans can also help cover the Part B deductible and Part B excess charges.
A licensed insurance agent can help you compare Medicare Supplement Insurance plans in your area. You may be able to find a plan that covers some of your Medicare Part B out-of-pocket costs.
Or call 1-800-995-4219 to speak with a licensed insurance agent.
1 Centers for Medicare and Medicaid, Medicare Costs, retrieved from https://www.medicare.gov/basics/costs/medicare-costs
Christian Worstell is a health care and policy writer for MedicareSupplement.com. He has written hundreds of articles helping people better understand their Medicare coverage options.
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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