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The 2025 Medicare Part B deductible is $257 per year. Learn more about Part B costs and how some Medigap plans can help cover out-of-pocket Part B costs.
The Medicare Part B deductible increased year over year. The 2025 Part B deductible is now $257 per year.
This guide also explores the Part B deductible and some of the other 2025 Medicare Part B costs you may face, as well as ways you can get coverage for some of your Medicare Part B costs.
As mentioned above, the annual Medicare Part B deductible for 2025 is $257. So what exactly does that mean?
You are responsible for the first $257 worth of services or items that are covered by Medicare Part B that you receive in the calendar year of 2025.
After you have paid $257 out of your own pocket, your Part B coverage will kick in.
Part B covers:
Medicare Supplement Insurance (Medigap) Plan F and Plan C both provide full coverage for the 2025 Part B deductible. However, neither plan is available to Medicare beneficiaries who became eligible for Medicare on or after Jan. 1, 2020. If you already have Medicare, you may be able to enroll in Plan C or F if either is available in your area and you became eligible for Medicare before that date.
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After you reach your Medicare Part B deductible, you will typically pay a 20% coinsurance for all services and items that are covered by Part B for the remainder of 2025.
The 20% share that you must pay after reaching the deductible is calculated using the Medicare-approved amount.
This is the amount that Medicare has determined it will pay for a particular service or item. If your health care provider accepts Medicare assignment, it means they accept Medicare reimbursement as payment in full for the covered services they provide.
Each type of standardized Medigap plan provides full or partial coverage of the Part B coinsurance or copayment.
Here's an example that illustrates how the 2025 Medicare Part B deductible works:
Should you need any more health care for the remainder of 2025, you will only have to pay 20% of the Medicare-approved amount for anything that is covered under Part B (as long as you visit health care providers who accept Medicare assignment).
There is no annual out-of-pocket spending limit for Medicare Part A or Part B.
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There are several types of Part B costs you may face in 2025, such as:
The standard premium for Medicare Part B in 2025 is $185 per month, although some people might pay more than that amount.
The Part B premium is based on your reported income from two years prior. So that means your 2025 premiums are based off of your reported income from two years prior.
Most people pay the standard Part B premium amount, but higher income earners may pay a higher amount called the Income-Related Monthly Adjusted Amount, or IRMAA.
The table below shows what Part B beneficiaries will typically pay for their premium in 2025.
| 2022 Individual tax return | 2022 Joint tax return | 2022 Married and separate tax return | 2025 Part B premium |
|---|---|---|---|
| $103,000 or less | $206,000 or less | $103,000 or less | $174.70 |
| More than $103,000 and up to $129,000 | More than $206,000 and up to $258,000 | N/A | $244.60 |
| More than $129,000 up to $161,000 | More than $258,000 up to $322,000 | N/A | $349.40 |
| More than $161,000 up to $193,000 | More than $322,000 up to $386,000 | N/A | $454.20 |
| More than $193,000 up to $500,000 | More than $386,000 up to $750,000 | Above $103,000 and less than $397,000 | $559.00 |
| More $500,000 | More than $750,000 | More than $397,000 | $594.00 |
When a health care provider accepts Medicare assignment, it means they have agreed to accept the Medicare-approved amount as full payment.
When a provider does not accept assignment, it means they will still treat Medicare patients, but they do not accept the Medicare-approved amount as full payment.
These providers reserve the right to charge up to 15% more than the Medicare-approved amount for their service or item, and the beneficiary is responsible for paying that extra amount.
This extra amount is called an “excess charge.”
Medigap Plan F and Plan G both cover Part B excess charges in full. Read our guide on Plan G costs, and everything to know about Plan G.
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Medigap plans help pay for some of the out-of-pocket expenses associated with Medicare Part A and Part B.
Speak with a licensed insurance agent today to learn about Medicare Supplement Insurance plans available in your area that may be able to help cover your Medicare Part B deductible and other costs.
Or call 1-800-995-4219 to speak with a licensed insurance agent.
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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