This guide explains 2024 Medicare Open Enrollment and other Medicare enrollment periods. Don't miss this important time to review and change your Medicare coverage.
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Important Medicare Changes in 2025
Reviewed by John Krahnert
In 2025, Medicare Part B premiums start at $185 per month, and the Part B deductible is $257. Find out if your Medicare costs went up for 2025.
The Centers for Medicare & Medicaid Services (CMS) announced 2025 Medicare changes in November 2024, to include changes in premiums and deductibles for Medicare Part A, Part B, Medicare health plans and Medicare prescription drug coverage.2
We’ve compiled a list of everything new or different about Medicare in 2025, including cost changes, new benefits and more.
- 2025 Medicare Part B changes
- 2025 Medicare Part A changes
- 2025 Medicare Advantage (Part C) changes
- 2025 Medicare drug coverage changes (Medicare Advantage prescription drug plans and Part D drug plans)
- 2025 Medicare Supplement (Medigap) changes
It's especially important during fall Medicare open enrollment to fully review your potential 2025 Medicare costs and plan accordingly.
We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.
Medicare Part B costs increase in 2025
The costs of Medicare Part A and Part B (known together as Original Medicare) generally change every year, and usually they go up.
The standard Part B premium and the Part B deductible increased in 2025.
2025 Medicare Part B deductible
The Part B deductible for 2025 is $257 per year. This is compared to the $240 deductible in 2024.
2025 Medicare Part B premiums
The standard Medicare Part B premium is $185 per month in 2025. This is roughly a 6% increase from $174.70 per month in 2024. Higher-income earners may pay higher premiums for their Part B benefits through what's called the 2025 Part B IRMAA (income-related monthly adjustment amount).
Medicare Part A costs go up in 2025
2025 Medicare Part A costs are set to go up.
2025 Medicare Part A deductible
The Medicare Part A is $1,676 per benefit period in 2025. This is up from $1,632 in 2024.
- The Part A deductible is applied to each benefit period, which begins the day you are admitted for inpatient hospital or skilled nursing facility care and ends once you have gone 60 consecutive days without inpatient care.
- This means you could potentially experience multiple benefit periods in a single year, and you'd need to meet the Part A deductible amount each time before your Part A benefits kick in.
Medicare Part A daily copayments for inpatient care also increased in 2025.
- 2025 Part A copayments for days 61-90 of an inpatient hospital stay are $419 per day (up from $408 per day in 2024).
- Inpatient hospital stays that last longer than 90 days require you to use lifetime reserve days (you have 60 total to use in your lifetime). 2025 Part A copays for lifetime reserve days are $838 per day (up from $816 in 2024).
- The 2025 Medicare Part A copay for inpatient stays at skilled nursing facilities is $209.50 per day for days 21-100. This is up from $204 in 2024.
2025 Medicare Part A premiums
The Part A premium (for those who must pay it) costs $285 to $518 per month in 2025, depending on your work history.
- Most people don't pay a premium for Medicare Part A. The amount you pay for Medicare Part A depends on the number of years you’ve paid Medicare taxes.
- Part A premiums are up from the 2024 range of $278 to $505.
2025 Medicare Advantage (Part C) Average premiums
According to data from the CMS, the average monthly premium for a Medicare Advantage (Medicare Part C) plan is $11.02 per month in 2025.3
Average 2025 Medicare Advantage maximum out-of-pocket limit (MOOP)
Meanwhile, the maximum out-of-pocket limit (MOOP) for Medicare Advantage plans will be $9,350 in 2025.4 This means after you spend $9,350 out of pocket on covered Medicare services, your plan will cover the costs of your covered care for the remainder of the year.
This annual Medicare spending limit is up from $8,850 in 2024. It's important to note, however, most Medicare Advantage plans have out-of-pocket limits that are lower than the established maximum. The average Medicare Advantage plan out-of-pocket limit for in-network care in 2025 is $6,073.93.3
2025 Medicare Part D changes to costs and benefits
Average 2025 Medicare Part D plan premium
The average premium for a Medicare Part D plan is $46.50 per month in 2025. This is up from the 2024 average of $55.50 per month.5
2025 Medicare Part D deductible
The maximum allowable deductible for 2025 Part D plans is $590, though some plans have deductibles that are lower than the maximum. The 2025 Part D deductible is up from $545 in 2024.
2025 Medicare Part D donut hole
The Medicare donut hole coverage gap was eliminated for 2025. After you spend $2,000 in out-of-pocket costs for covered drugs, you enter what’s called the Medicare catastrophic coverage phase. Once you spend this amount, your drug plan will cover your covered drugs for the rest of the year with no copay/coinsurance costs to you.
Medicare Advantage and Medicare Part D plan members will receive a letter in the mail each fall called an Annual Notice of Change. This letter details any changes to the plan and it’s important to review the notice each year so you can determine if you wish to remain in the plan or shop for a different plan during the Annual Enrollment Period (AEP), also called the fall Medicare open enrollment period.
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Medicare Supplement (Medigap) deductibles and out-of-pocket limits go up
2025 Medicare Supplement Deductibles
Medicare Supplement Insurance (Medigap) Plan F and Plan G have high-deductible versions in which beneficiaries pay a lower monthly premium in exchange for having a deductible. In 2025, the deductibles for high-deductible Plan F and Plan G are $2,870 per year. This is an increase from $2,800 in 2024.
2025 Medicare Supplement maximum out-of-pocket spending limit
Two Medigap plans contain an annual out-of-pocket limit, and those too increased in 2024.
- The out-of-pocket maximum for Plan K is $7,220 in 2025 (up from from $7,060 in 2024)
- The out-of-pocket maximum for Plan L is $3,610 in 2025 (up from $3,530 in 2024)
We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.
About the author
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
..Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.
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Your Medicare guide will arrive in your email inbox shortly. You can also look forward to informative email updates about Medicare and Medicare Advantage.
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