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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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.
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.
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.
The Part B deductible for 2025 is $257 per year. This is compared to the $240 deductible in 2024.
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).
2025 Medicare Part A costs are set to go up.
The Medicare Part A is $1,676 per benefit period in 2025. This is up from $1,632 in 2024.
Medicare Part A daily copayments for inpatient care also increased in 2025.
The Part A premium (for those who must pay it) costs $285 to $518 per month in 2025, depending on your work history.
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
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
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
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.
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.
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.
Two Medigap plans contain an annual out-of-pocket limit, and those too increased in 2024.
We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.
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.