Medicare Part B premiums in 2025
Here is what we tell people planning a 2025 retirement budget: the standard Part B premium, the deductible, and the income brackets that push some households into IRMAA territory.
The 2025 standard Part B premium is $185.00 per month, up $10.30 from 2024. The annual Part B deductible is $257. Higher-income beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA) on top, starting when modified adjusted gross income exceeds $106,000 (individual) or $212,000 (joint), based on the 2023 tax return.
The 2025 standard Part B premium
CMS set the 2025 standard Part B premium at $185.00 per month. That figure applies to most beneficiaries who do not trigger IRMAA. The increase from $174.70 in 2024 reflects expected Part B spending growth, especially on physician-administered drugs and outpatient care.
If you receive Social Security, Railroad Retirement, or Civil Service retirement benefits, the premium comes out of your monthly check automatically. Everyone else is billed quarterly through Medicare Easy Pay or a paper bill.
The 2025 Part B deductible
The annual Part B deductible is $257 in 2025, up from $240 in 2024. Once you meet it, you typically pay 20% coinsurance for Medicare-approved Part B services, with no annual out-of-pocket cap unless you have Medicare Advantage or Medigap.
2025 IRMAA brackets for Part B
IRMAA surcharges are based on your modified adjusted gross income (MAGI) from your 2023 federal tax return. The table below shows the total monthly Part B premium at each tier, not just the surcharge.
| Individual MAGI (2023) | Joint MAGI (2023) | 2025 monthly Part B premium |
|---|---|---|
| $106,000 or less | $212,000 or less | $185.00 |
| $106,001 – $133,000 | $212,001 – $266,000 | $259.00 |
| $133,001 – $167,000 | $266,001 – $334,000 | $370.00 |
| $167,001 – $200,000 | $334,001 – $400,000 | $480.90 |
| $200,001 – $499,999 | $400,001 – $749,999 | $591.90 |
| $500,000 or more | $750,000 or more | $628.90 |
Source: CMS 2025 Medicare Parts A & B Premiums and Deductibles fact sheet.
Appealing IRMAA after a life event
IRMAA uses income from two years ago, which means a 2025 surcharge looks at your 2023 return. If you had a qualifying life-changing event since then — retirement, work reduction, divorce, marriage, death of a spouse, loss of pension, or a settlement of employer compensation — you can file Form SSA-44 to ask SSA to use a more recent estimate. We recommend doing this as soon as you get the IRMAA notice, not after the surcharge has been billed for months.
How this connects to the rest of your 2025 budget
Your Part B premium is one line in a bigger picture. Most people also pay a Part D prescription drug premium (and a separate Part D IRMAA at the same income tiers), plus either a Medicare Advantage premium or a Medigap premium. Original Medicare has no annual out-of-pocket cap, so the Medigap-vs-Advantage decision often matters more for total cost than the Part B premium itself.
- How IRMAA works for Part B and Part D
- Part B premium overview (multi-year)
- All Medicare costs explained
- Medicare Advantage vs Medigap
- Part D late-enrollment penalty
Frequently asked questions
- What is the standard Medicare Part B premium for 2025?
- The standard Part B premium is $185.00 per month in 2025, an increase of $10.30 from the $174.70 monthly premium in 2024. Most people pay this amount; higher-income beneficiaries pay more through IRMAA.
- What is the 2025 Part B deductible?
- The annual Part B deductible is $257 in 2025, up from $240 in 2024. After meeting it, you typically pay 20% coinsurance for most Part B services.
- What MAGI triggers IRMAA in 2025?
- IRMAA kicks in when your 2023 modified adjusted gross income is above $106,000 if you file individually or $212,000 if you file jointly. Surcharges are tiered up through MAGI above $500,000 (individual) and $750,000 (joint).
- Why does Social Security use my 2023 income for 2025 IRMAA?
- IRMAA always uses your IRS-reported income from two years prior because that is the most recent tax return SSA can verify. If your income has dropped due to a life-changing event (retirement, divorce, death of a spouse), you can file Form SSA-44 to ask for a reduction.
- Does the Part B premium come out of my Social Security check?
- Yes, for most people. If you receive Social Security, the Part B premium is deducted automatically. If you are not yet collecting Social Security, Medicare bills you quarterly through Medicare Easy Pay or a paper bill.