Medicare Part B Income-Related Monthly Adjustment Amounts
Since 2007, a beneficiary’s Part B monthly premium has been based on his or her income. These income-related monthly adjustment amounts affect roughly 8% of people with Medicare Part B. The 2025 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table:
2025 Medicare Part B IRMAA
Income-Related Monthly Adjustment Amount
Part B Immunosuppressive Drug Coverage
High-income beneficiaries with only Part B immunosuppressive drug coverage in 2025 may face adjusted monthly premiums based on their income level. Premiums range from $110.40 for those with a modified adjusted gross income (MAGI) of $106,000 or less (individual filers) to $552.10 for individuals earning $500,000 or more. To learn more about this specific plan and see detailed information, click here.
Medicare Part A Premium and Deductible
Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facilities, hospice care, inpatient rehabilitation, and certain home health care services. Approximately 99% of Medicare beneficiaries do not pay a Part A premium because they have at least 40 quarters of Medicare-covered employment, as determined by the Social Security Administration.
In 2025, the Medicare Part A inpatient hospital deductible will be $1,676, a $44 increase from the $1,632 deductible in 2024. This deductible covers the first 60 days of Medicare-covered inpatient hospital care in a benefit period. For longer hospital stays, beneficiaries will pay $419 per day for days 61–90 ($408 in 2024) and $838 per day for lifetime reserve days ($816 in 2024).
For skilled nursing facility care, the daily coinsurance for days 21–100 of extended care services will be $209.50 in 2025, up from $204.00 in 2024.
Part A Premium and Deductible
Enrollees age 65 and older who have fewer than 40 quarters of coverage, and certain persons with disabilities, pay a monthly premium in order to voluntarily enroll in Medicare Part A. Individuals who had at least 30 quarters of coverage, or were married to someone with at least 30 quarters of coverage, may buy into Part A at a reduced monthly premium rate, which will be $285 in 2025, a $7 increase from 2024. Certain uninsured aged individuals who have fewer than 30 quarters of coverage, and certain individuals with disabilities who have exhausted other entitlements, will pay the full premium, which will be $518 a month in 2025, a $13 increase from 2024.
For more information on the 2025 Medicare Parts A and B premiums and deductibles (CMS-8086-N, CMS-8087-N, CMS-8088-N), please visit https://www.federalregister.gov/public-inspection.
Medicare Part D Income-Related Monthly Adjustment Amounts
Since 2011, Medicare Part D monthly premiums have been determined based on a beneficiary’s income. Approximately 8% of Medicare Part D enrollees pay income-related monthly adjustment amounts (IRMAA) in addition to their standard Part D premium.
Part D premiums vary by plan, but regardless of payment method, IRMAA amounts are deducted directly from Social Security benefits or paid directly to Medicare. While about two-thirds of beneficiaries pay premiums directly to their plan, the rest have premiums deducted from their Social Security checks.
For 2025, the income-related monthly adjustment amounts for high-income beneficiaries are outlined in the table below.
