The Centers for Medicare & Medicaid Services (CMS) has issued the 2025 figures for Medicare. As in 2024, these health care costs are going up across the board.

Medicare Part B Changes for 2025

Medicare Part B covers the cost of doctor visits and other preventative care and outpatient medical services. The cost of Part B’s standard monthly premium and annual deductible will both go up beginning January 1 of next year:

  • 2025 Part B base monthly premium = $185 (up from $174.40 in 2024)
  • 2025 Part B annual deductible = $257 (an increase from $240 in 2024)

This premium is automatically deducted each month from your Social Security benefit.

Higher-income persons (adjusted gross income over $106,000 for single filers and $212,000 for married filing jointly) will pay a bigger Medicare Part B premium. Refer to the above-referenced chart.

The 2025 Part B premium costs are once again outpacing the annual Social Security cost-of-living adjustment (COLA) figures. (The COLA is increasing just 2.5 percent from 2024 to 2025.)

Medicare Part A Changes for 2025

Part A pays for inpatient care in a hospital, for skilled nursing facility services other than long-term custodial care, hospice, and some other settings for a certain number of days, with a co-pay obligation for part of those days.

The CMS announced that Medicare Part A deductibles and co-pays will also increase:

  • 2025 Part A inpatient hospital deductible = $1,676 (up from $1,632 in 2024)
  • 2025 Part A coinsurance for hospital stay, days 61 to 90 = $419 per day (up from $408 per day in 2024)
  • 2025 Part A coinsurance for hospital stay, days 91 onward = $838 per day (an increase from $816 in 2024)
  • 2025 Part A coinsurance for skilled nursing facility, days 21 to 100 = $209.50 per day (up from $204 in 2024)

Most people do not pay a premium for Part A because they (or their spouse) had paid Medicare taxes during their employment years. For those who do, the full Part A monthly premium in 2025 will be $518 (up from $505 in 2024).

A Word about Medicare Advantage

Persons who have opted to receive coverage under a Medicare Advantage plan, referred to as Medicare Part C, rather than under traditional Medicare (Parts A and B), obtain coverage through a private health insurance carrier. Premium increases under Medicare Advantage vary from company to company. Dionysios Pappas, an attorney with the law firm of Vasiliadis Pappas Associates, observes that “ Medicare Advantage premiums are often lower than those under traditional Medicare,” but cautions that “participants must choose a doctor from a fixed panel and not necessarily the physician they want.”

For more information about the pros and cons of traditional Medicare versus Medicare Advantage, and advice on which plan to choose and how to switch plans, contact the lawyers at Vasiliadis Pappas Associates. We can help!