What are the costs of Medicare Parts A, B, C, and D?

What are the costs?

There are various costs associated with Original Medicare.

Part A costs

Medicare Part A is usually premium-free, provided a person has paid Medicare taxes for 40 quarters or more.

People who receive retirement benefits from Social Security or the Railroad Retirement Board also receive premium-free Part A. If the individual or their spouse had Medicare-covered government employment, they could also receive premium-free Part A.

Part A premium

If a person has to pay a premium for Part A, the cost depends on how many quarters they paid Medicare taxes:

• If they paid taxes for 30 to 39 quarters, the monthly premium is $285 in 2026.
• If they paid taxes for fewer than 30 quarters, the monthly premium is $518 in 2026.

Additional costs

A person must also pay a deductible of $1,676 in 2025 for covered health services, per benefit period.

If a person stays in the hospital, there is no coinsurance for the first 60 days. For days 61 to 90, there is $419 daily coinsurance. This increases to $838 per day from days 91 to 150. After day 150, the person pays 100% of the cost.

Part B

The costs with Part B include premiums and deductibles.

Premiums

An individual’s income determines what they pay for the Part B premium.

For people with an annual income of less than or equal to $106,000, the premium in 2025 is $185.00 per month. However, a person with a yearly income of $500,000 or more will have a monthly premium in 2025 of $628.90.

Other costs

After paying the Part B deductible of $257, a person will pay 20% of any Medicare-approved amount for healthcare.