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Medicare changes in 2025 include increases to Part A premiums and the Part A deductible, and decreases to the Part B deductible and premiums. Learn more and find out how a Medicare Supplement plan can help reduce your Medicare spending.
Another new year, another fresh set of changes to the Medicare program. 2025 brings some changes to costs, benefits and enrollment and we break it all down for you below.
In certain areas, yes. Medicare Part A, Medicare Advantage, Medicare Part D and Medicare Supplement Insurance all have some cost increases for 2025.
The Medicare Part A premium remains $0 for most beneficiaries. Most people get premium-free Part A because they (or other qualifying person, such as a current or former spouse) worked and paid Medicare taxes for at least 40 quarters (10 years).
Beneficiaries who didn’t pay enough Medicare taxes (and who don’t qualify for premium-free Part A based on a spouse’s work history) saw their premiums increase in 2025. Beneficiaries who have to pay a Part A premium will pay either $285 or $518 per month for Part A.
The Medicare Part A deductible also increased 2025. The new deductible is $1,676 per benefit period. A benefit period starts the day you are admitted to a hospital or skilled nursing facility as an inpatient and ends when you have gone 60 consecutive days without any inpatient care.
Medicare Part A copayments for extended stays in hospitals or skilled nursing facilities increased in 2025 as well.
Medicare Advantage plans are sold by private insurance companies, so the premiums, deductibles and other costs may vary from one plan to the next.
One area of Medicare Advantage coverage that increased in 2025 is the standard maximum out-of-pocket spending limit on in-network care plans are allowed to offer. The highest allowable limit increased to $9,350 for 2025. Most plans include a limit that is lower than the maximum allowed, however.
Medicare Part D plans are required by law to have an annual deductible of no more than $590 in 2025. Many plans have deductibles that are lower than the limit, and some may have no deductible at all.
The limit at which a Part D plan member reaches catastrophic coverage is decreasing 2025, going from $8,000 to $2,000. The catastrophic coverage limit represents the amount of spending on covered drugs that a beneficiary and their plan combine to pay for in a calendar year before the beneficiary receives near-complete Medicare drug coverage for the remainder of the year. This significant change means the maximum you'll spend on prescription drugs will be lower than past years.
Four Medicare Supplement Insurance (Medigap) plans increased in 2025.
Medicare is expanding its coverage in in 2025.
There are no notable changes to Medicare Enrollment in 2025.
If you’re enrolled in a Medicare Advantage or Medicare Part D plan, you will receive a letter in the mail each fall called an Annual Notice of Change. This letter details any changes being made to your plan for the upcoming year and gives you an opportunity to make changes to your coverage during the Annual Enrollment Period (AEP) if necessary.
If you want to learn more about how a Medicare Supplement plan can help reduce your out-of-pocket Medicare costs, you can request a free plan comparison online or call to speak with a licensed insurance agent who can help you compare plans where you live and learn more about which plans could help save you money.
Or call now to speak with a licensed insurance agent:
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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