2025 Medicare Deductible for Seniors Over 65

For 2025, Medicare Part B has a $257 annual deductible, while Part A (hospital) has a $1,676 deductible per benefit period.

Most people over 65 don’t pay Part A premiums but will pay Part B premiums ($185 standard) and 20% coinsurance after meeting the deductible for most services.

These costs are for Original Medicare, with Part D drug plans and Medicare Advantage having separate deductibles and costs.

Medicare Part A (Hospital Insurance)

• Deductible: $1,676 per benefit period (covers the first 60 days of a hospital stay).
• Premiums: Most people pay $0 if they worked and paid Medicare taxes for 40 quarters (about 10 years); others pay up to $518/month.

Medicare Part B (Medical Insurance)

• Deductible: $257 per year.
• Standard Premium: $185 per month (you pay more if your income is higher).
• After Deductible: You typically pay 20% of the Medicare-approved amount for most doctor services, outpatient care, and durable medical equipment.

Medicare Part D (Prescription Drugs)

• Deductibles: Varies by plan, but the maximum is around $590 in 2025.
• Costs: Can include premiums, deductibles, copays, and coinsurance, with no annual limit on out-of-pocket costs unless you have extra help or a Medigap plan.

What this means for you (Over 65)

• You’ll pay the Part B deductible and premium, plus 20% of most Part B costs.
• Part A kicks in if you’re hospitalized, but you pay the large per-benefit-period deductible first.
• If you have a Medicare Advantage (Part C) or Part D plan, you’ll pay its specific deductibles and costs.