Medicare enrollees will pay about $10 more monthly for Part B insurance premiums in 2025. Some will pay even more due to monthly surcharges imposed on high-income individuals and married couples.

Medicare consists of several parts. Part A hospitalization insurance is premium-free for 99% of Medicare beneficiaries who have at least 40 quarters of Medicare-covered employment, according to the Centers for Medicare and Medicaid Services (CMS). Medicare Part A covers inpatient hospitals, skilled nursing facilities, hospice, inpatient rehabilitation, and some home health care services.

Medicare Part B covers doctors’ fees and outpatient services. Each year, Medicare Part B premiums, deductibles, and coinsurance rates are determined by provisions of the Social Security Act. The standard monthly premium for Medicare Part B enrollees will be $185 in 2025, an increase of $10.30 from $174.70 monthly premium in 2024. The annual deductible for all Medicare Part Be beneficiaries will be $257 in 2025, up $17 from the annual deductible of $240 in 2024.

Since 2007, a beneficiary’s Part B monthly premium has been based on income. These Income-Related Monthly Adjustment Amounts, or IRMAA surcharges, for 2025 are based on income reported on 2023 federal tax returns. Standard Medicare Part B premiums and high-income surcharges are normally deducted directly from monthly Social Security benefits. Medicare enrollees who do not receive Social Security benefits must pay their Medicare premiums directly to the Social Security Administration.

Individuals whose modified adjusted gross income (MAGI) was $106,000 or less in 2023 and married couples whose joint MAGI was $212,000 or less in 2023 will pay the standard Medicare Part B premium of $185 per month in 2025. Those with higher incomes will pay more per month for both Part B health insurance and Part D prescription drug coverage.

There are five IRMAA income brackets with surcharges ranging from an additional $74 per month in 2025 to an additional $443.90 per month per person in 2025. That means Medicare beneficiaries in the highest income brackets—$500,000 or more for individuals and $750,000 or more for married couples—would pay $628.90 per month per person for Medicare Part B in 2025. In addition, high-income beneficiaries are also subject to Part D prescription drug plan surcharges ranging from an additional $13.70 per month to an additional $85.80 per month.

Each fall, the Social Security Administration sends IRMAA notification letters to alert beneficiaries subject to high-income surcharges based on their latest tax return. However, if you’ve had a life-changing event that reduced your household income since then, you can ask to lower the additional amount you’ll pay for Medicare Part B and Part D. Life-changing events include marriage, divorce, the death of a spouse and loss of income due to retirement or reduced work hours.

Fill out the Medicare Income-Related Monthly Adjustment Amount-Life-changing Event (SSA-44) (PDF) form and send your completed form and evidence to the Social Security Administration. Or, call the Social Security Administration at 800-772-1213 and tell the representative you want to appeal your Medicare Income-Related Monthly Adjustment Amount.