Medicare Part B Premium 2025: What You’ll Pay by Income (IRMAA Brackets)
Preliminary 2025 estimates for Part B premiums. Most people will likely pay around $174.70/month. Higher earners pay more due to IRMAA. Use our calculator to see your estimated monthly cost.
Quick facts (2025 Estimates)
Std. Part B Premium
~$174.70/mo
For most people
Part B Deductible
~$240
Annual
IRMAA Look-Back
2023 MAGI
Uses 2023 tax return
Disclaimer: These are preliminary estimates. Official 2025 amounts will be released by CMS in late 2024.
IRMAA Calculator (Estimate)
2025 IRMAA Tables (Estimates)
Find your 2023 income bracket below to see your estimated Part B premium and any Part D surcharge.
(On small screens, you can scroll the tables left and right.)
Single Filers
| 2023 MAGI (Single) | Part B Monthly | Part D Surcharge |
|---|---|---|
| ≤ $103,000 | $174.70 | $0.00 |
| > $103,000 to $129,000 | $244.60 | $13.10 |
| > $129,000 to $162,000 | $347.20 | $33.40 |
| > $162,000 to $194,000 | $451.80 | $53.50 |
| > $194,000 to $487,000 | $556.40 | $73.70 |
| ≥ $487,000 | $591.70 | $80.40 |
Married Filing Jointly
| 2023 MAGI (Joint) | Part B Monthly | Part D Surcharge |
|---|---|---|
| ≤ $206,000 | $174.70 | $0.00 |
| > $206,000 to $258,000 | $244.60 | $13.10 |
| > $258,000 to $324,000 | $347.20 | $33.40 |
| > $324,000 to $388,000 | $451.80 | $53.50 |
| > $388,000 to $730,000 | $556.40 | $73.70 |
| ≥ $730,000 | $591.70 | $80.40 |
FAQs
Which year’s income is used for 2025?
Social Security uses your 2023 federal tax return. If unavailable, they may use 2022.
Can I appeal if my income is now lower?
Yes, you can request a new decision for a qualifying life-changing event (e.g., retirement, divorce) using form SSA-44.
What is the estimated 2025 Part B deductible?
The preliminary estimate for the 2025 Part B annual deductible is ~$240.