Medicare Part B

How much does Part B coverage cost? 

The standard Part B premium amount in 2025 is $185. 

Most people pay the standard Part B premium amount every month. Medicare uses the modified adjusted gross income reported on your IRS tax return from 2 years ago to determine if you’ll pay an extra charge, called the Income-Related Monthly Adjustment Amount (IRMAA). 

For 2025, if your modified adjusted gross income for 2023 was above $106,000 if you file individually or $212,000 if you’re married and file jointly, then you may pay an IRMAA. Visit Medicare.gov to learn more about IRMAA. If you have limited income and resources and need help paying your premium go to pages 91–92 for information on programs that may help pay for costs.

Part B covers things like:

Clinical research

Ambulance services

Durable medical equipment (DME)

Mental health

Inpatient

Outpatient

Partial hospitalization

Getting a second opinion before surgery

Limited outpatient prescription drugs