Here’s a helpful snapshot of your choices

Original Medicare Part A and Part B for 2025

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Costs
Part A premium
People who’ve worked for 10 years or more, and had Social Security taxes withheld, generally don’t have to pay a premium for Part A.
Part A deductible and coinsurance4
  • $1,676 deductible for each benefit period*
  • Days 1–60: $0 coinsurance for each benefit period
  • Days 61–90: $419 coinsurance per day of each benefit period
  • Days 91 and beyond: $838 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime)
  • Beyond lifetime reserve days: all costs

Part B premium5

The standard Part B monthly premium amount in 2025 is $185 or higher, depending on your income

Part B deductible and coinsurance6

In 2025, the annual deductible for Part B coverage is $257, after which you typically pay 20% of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment (DME)

Annual maximum out-of-pocket costs
There is no maximum out-of-pocket limit with Original Medicare

Optional Medicare Part D and Medicare Supplement plans

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Costs
Part D premium (prescription drug plan)

Part D premiums, deductibles and copays vary by plan

See costs for our Medicare prescription drug plans

Medicare Supplement insurance

There is a monthly premium for these plans. Medicare Supplement plans help pay some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. They generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing. See costs for our Medicare Supplemental plans

Optional supplemental benefits: vision, dental and fitness

There is a monthly premium for these plans.

 

Medicare Advantage (offered by private insurers like Humana)

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Costs
Part C premium

Part C premiums, deductibles and copays vary by plan.

Compare costs for Humana’s Medicare Advantage (Part C) plans.

Annual maximum out-of-pocket costs

All Medicare Advantage plans offer an annual maximum out-of-pocket limit.

*A benefit period begins the day you're admitted as an inpatient in a hospital or skilled nursing facility (SNF). The benefit period ends when you haven't gotten any inpatient hospital care (or skilled care in a SNF) for 60 days in a row. If you go into a hospital or a SNF after 1 benefit period has ended, a new benefit period begins. You must pay the inpatient hospital deductible for each benefit period. There's no limit to the number of benefit periods. Having to spend time in the hospital several times over the course of a single year can also increase these costs.