Medicare Costs |
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Part A (Hospital Insurance)
Premium $0 for most people (because they or a spouse paid Medicare taxes long enough while working - generally at least 10 years). If you get Medicare earlier than age 65, you won’t pay a Part A premium. This is sometimes called “premium-free Part A. If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $278 or $505 each month for Part A ($285 or $518 in 2025), depending on how long you or your spouse worked and paid Medicare taxes. Deductible $1,676 in 2025 for each inpatient hospital benefit period, before Original Medicare starts to pay. Part B (Medical Insurance)Premium $185 in 2025 (or higher depending on your income). The amount can change each year. You’ll pay the premium each month, even if you don’t get any Part B-covered services.
Deductible $257 in 2025 before Original Medicare starts to pay. You pay this deductible once each year. Part C Medicare AdvantagePremiums & other costs like deductibles, copayments, & coinsurance and Out-of-pocket limits varies by plan. Once you pay the plan’s limit, the plan pays 100% of your covered health services for the rest of the calendar year
Part D Prescription Drug CoveragePremium varies by plan. You may have to pay more, depending on your income.
Deductibles, copayments, & coinsurance varies by plan and pharmacy. Medicare (Medigap) Supplemental InsurancePremiums varies based on which Medigap plan letter you choose, where you live, and other factors. The amount can change each year.
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