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.”

Deductible

$1,676 for each inpatient hospital benefit period, before Original Medicare starts to pay.

There’s no limit to the number of benefit periods you can have in a year. This means you may pay the deductible more than once in a year.

Inpatient stay

• Days 1-60: $0 after you pay your Part A deductible.
• Days 61-90: $419 each day.
• Days 91-150: $838 each day while using your 60 lifetime reserve days.

After day 150: You pay all costs.

Skilled nursing facility stay 

• Days 1-20: $0.
• Days 21-100: $209.50 each day.
• Days 101 and beyond: You pay all costs.

Home health care 

$0 for covered home health care services.

20% of the Medicare-approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

Hospice care 

$0 for covered hospice care services.

You may also pay:

A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you're at home.
 

Part B costs:

What you pay in 2025:

Premium

$185 each month (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.

File individual tax return

File joint tax return

File married & separate tax return

You pay each month (in 2025)

$106,000 or less

$212,000 or less

$106,000 or less

$185.00

above $106,000 up to $133,000

above $212,000 up to $266,000

Not applicable

$259.00

above $133,000 up to $167,000

above $266,000 up to $334,000

Not applicable

$370.00

above $167,000 up to $200,000

above $334,000 up to $400,000

Not applicable

$480.90

above $200,000 and less than $500,000

above $400,000 and less than $750,000

above $106,000 and less than $394,000

$591.90

$500,000 or above

$750,000 or above

$394,000 or above

$628.90

Deductible

$257 before Original Medicare starts to pay. You pay this deductible once each year.

General costs for services (coinsurance)

Usually 20% of the cost for each Medicare-covered service or item after you’ve paid your deductible (and as long as your doctor or health care provider accepts the

Medicare-approved amount as full payment – called “accepting assignment”). Find out how assignment affects what you pay.

Clinical laboratory services

$0 for covered clinical laboratory services.

Home health care

• $0 for covered home health care services.
• 20% of the Medicare-approved amount for durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment).

Clinical laboratory services

• $0 for covered clinical laboratory services.

Inpatient hospital care

• 20% of the Medicare-approved amount for most doctor services while you’re a hospital inpatient.

Outpatient mental health care

• $0 for your yearly depression screening.
• 20% of the Medicare-approved amount for visits to your doctor or other health care provider to diagnose or treat your condition.

• If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional amount to the hospital.

Partial hospitalization mental health care

After you meet the Part B deductible:

• 20% of the Medicare-approved amount for each service you get from a doctor or certain other qualified mental health professional
• Coinsurance for each day of partial hospitalization services you get in a hospital outpatient setting or community mental health center

Outpatient hospital care

• Usually 20% of the Medicare-approved amount for doctor and other health care providers’ services.
• You’ll also pay a copayment to the hospital for each service you get in a hospital outpatient setting (except for certain preventive services). In most cases, your copayment won’t be more than the Part A hospital stay deductible amount.

This additional hospital copayment means you may pay more for an outpatient service you get in a hospital than you’d pay if you got the same service in a doctor’s office.

Compare outpatient procedure costs under Original Medicare.

Medicare Advantage Plan costs:

What you pay in 2025:

Premiums & other costs (like deductibles, copayments, & coinsurance)

Varies by plan. These amounts can change each year.

You must have Part B and keep paying your Part B premium to stay in your plan.

Compare costs for specific health care plans.

Out-of-pocket limit

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 costs:

What you pay in 2025:

Premium

Varies by plan. You may have to pay more, depending on your income.

Avoid paying a penalty:

• Join a Medicare drug plan when you first get Medicare Part A and/or Part B, and
• Don’t go 63 days or more without

creditable drug coverage

 (coverage that’s similar in value to Part D).

Find out more about the Part D penalty.

Deductibles, copayments, & coinsurance

Varies by plan and pharmacy. Find Medicare drug plans in your area, and compare their costs and coverage.

Medigap costs:

What you pay in 2025:

Premium

Varies based on which Medigap policy you buy, where you live, and other factors. The amount can change each year.

You must have Part B and keep paying your Part B premium to keep your Medigap policy.

Other costs

• Medigap usually helps pay your portion of the costs (like deductibles and coinsurance) for services that Part A and Part B cover in Original Medicare. The amount you’ll pay for Part A and Part B services if you have a Medigap policy varies depending on the policy you buy.

Some Medigap policies include extra benefits to lower your costs, like coverage when you travel out of the country.