How much does a Medicare Advantage plan cost?

The projected average monthly plan premium for Medicare Advantage (MA) plans, also called Medicare Part C, is around $17 per month in 2025.¹ However, the total monthly cost of an MA plan can depend on the insurance company, your plan benefits and the deductibles, copays and coinsurance.

MA plans include the same coverage, benefits and rights provided by Medicare Part A and Part B, with the exception of hospice care. Some Medicare Advantage plans also offer prescription drug coverage (Medicare Part D) and coverage for routine dental, vision and hearing benefits.

Here’s a closer look at MA plans and how much they can cost.

Costs of Medicare Advantage

MA plans may have some or all the following out-of-pocket costs:

Medicare Advantage premiums

A premium is the payment you make to the insurance company, usually monthly or annually. Paying your premium keeps your coverage active. According to the Centers for Medicare & Medicaid Services (CMS), the average monthly plan premium for all Medicare Advantage plans in 2025 is around $17.

In addition to the MA plan premium, Medicare members enrolled in an MA plan are responsible for their Part B premium ($185 in 2025). Some Medicare Advantage plans may cover some or all of your Part B premium.

Medicare Advantage deductibles

Your deductible is the amount you pay for covered healthcare services before your insurance plan starts to pay. With a $500 deductible, for example, you pay the first $500 of covered services yourself. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.

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Copayments

A copayment, or copay, is the amount you pay to a healthcare provider or pharmacy at the time of service. Copayments vary depending on your plan and the services you receive. For example, you may have a $40 copayment for a doctor's office visit.

Prescription drug costs

A Medicare Advantage plan that includes drug coverage is called a Medicare Advantage prescription drug plan (MAPD). Most MAPD plans offer an affordable or even $0 monthly plan premium, but you might have to pay the Medicare Part B premium. Some MAPD plans also charge a drug deductible.

Out-of-pocket maximum

Your out-of-pocket maximum is the most you have to pay for covered healthcare services in a plan year. For example, if your out-of-pocket maximum is $5,000, once you’ve paid $5,000, your plan pays 100% of all covered services for the rest of the plan year.

What can impact my Medicare Advantage costs?

MA plans set their costs for premiums, deductibles and services on Jan. 1 every year.² These costs won’t change the rest of the year.

Outside of those fixed costs, other things that can impact what you pay include:

The type of MA plans you choose
The type of healthcare services you need
How often you get healthcare services
Whether you go to a doctor or supplier in the plan’s network
The maximum out-of-pocket limit set by your plan

Compare Medicare Advantage plans

There are 4 common Medicare Advantage plans: Health maintenance organization (HMO) plans, Preferred provider organization (PPO) plans, Private fee-for-service (PFFS) plans and Special Needs Plans (SNPs).

To check what plan could be best for you, compare Medicare Advantage plans today.

Frequently asked questions

1. Is Medicare Advantage more expensive than Original Medicare?

Medicare Advantage can cost less than Original Medicare because MA plans must have an out-of-pocket maximum. Original Medicare does not have an out-of-pocket maximum.

2. When can I enroll in a Medicare Advantage plan?

You can only enroll in a Medicare Advantage Plan during the Open Enrollment Period and Medicare Advantage Open Enrollment Period. For more information, learn about Medicare Enrollment Periods.