Medicare Income Limits 2025

For 2025, your costs for Medicare Parts B and D are based on the income on your 2023 tax return. You won't pay any extra if you earned $106,000 or less as an individual, or $212,000 or less if you are married and file your taxes together.

If your income and other financial resources are below about $30,000 per year, you might qualify for programs that lower your Medicare costs like monthly rates, deductibles and coinsurance.

What are the income limits for Medicare in 2025?

The 2025 Medicare income limit is $106,000 for individuals and $212,000 for couples. Those numbers are based on your income on your 2023 tax return.

If you earned more than the Medicare income limit, you'll pay more for Medicare Part B (medical coverage) and Part D (prescription coverage).

You have to pay for Medicare Part B even if you're enrolled in a Medicare Part C plan. That means you'll pay this higher rate regardless of whether you have Original Medicare or Medicare Advantage.

Which Medicare costs are based on income in 2025?

Most people will pay the standard Medicare Part B rate in 2025. For Part D, you pay the rate for the plan you select. You may pay extra to Medicare for both Part B and Part D, depending on your income.

Part B and Part D rates are taken automatically from your Social Security or Railroad Retirement Board benefit payments. If you don't get a monthly payment, Medicare will send you a bill.

Medicare Part B rates

For 2025, the standard Medicare Part B monthly rate is $185. But you will pay higher rates if you earned more than $106,000 on your individual 2023 tax return or more than $212,000 on a joint return. For instance, people who made $110,000 in 2023 will pay $259 per month for Medicare Part B in 2025.

Medicare Part B monthly rate in 2025

The added charge is known as an income-related monthly adjustment amount, or IRMAA.

The Social Security Administration (SSA) determines your IRMAA based on the modified adjusted gross income on your tax return. If the Social Security Administration finds that you owe a higher rate, the agency will mail you a letter to let you know your payment amount.

Part B immunosuppressive drug coverage only

Part B immunosuppressive drug coverage is a way to continue some Medicare coverage. You can enroll when you're no longer eligible for full benefits three years after a successful kidney transplant. How much you pay for the coverage will depend on your income.

This is a new Medicare benefit that started in 2023 and only covers immunosuppressive drugs. This benefit is separate from Original Medicare Part B and is not a full health insurance plan.

Immunosuppressive drug coverage cost

Medicare Part D rates

The income limits for Medicare Part D are the same as the Part B amounts. So you'll pay extra for Medicare Part D if your modified adjusted gross income for 2023 was more than $106,000 or $212,000 — depending on whether you're single or married.

For example, if you earned $124,000 in 2023 and filed an individual return, you would pay an extra $13.70 per month for Part D in 2025.

Medicare Part D extra monthly rate in 2025

This extra amount is added on top of the price of the Part D plan you choose. The monthly costs of Medicare Part D plans are set by each insurance company. If you have Part D, you pay a monthly amount to your insurance company for your coverage. But if you're charged more based on income, you pay the extra amount directly to Medicare.

Medicare Extra Help 2025 income limits

The income limits for Medicare Extra Help are $22,590 for an individual and $30,660 for a married couple living together.

You also can't have assets, such as savings, investments and real estate, worth more than $17,220 if you're single or $34,360 if you are married and live with your spouse. You must meet each of these requirements to qualify for Extra Help.

Extra Help income limits chart for 2024

The Medicare Extra Help program helps pay for some of your Part D costs including monthly rates, annual drug deductibles and prescription copayments. In 2025, you’ll pay a maximum of $4.90 for each generic prescription or $12.15 for each brand-name prescription. Extra Help is estimated to save enrollees about $492 every month.

You can apply for Medicare Extra Help online, at your local Social Security office or over the phone by calling 800-772-1213 (TTY 800-325-0778).

Income limits for Medicare Savings Programs

There are higher income limits if you have a disability and are working. Plus, in about a third of the country, it's easier to qualify because there are higher limits for income or financial resources.

There are four kinds of Medicare Savings Programs, each with its own income and resource qualifications. As with the Extra Help program, you must meet both the income and resources requirements to qualify for a savings program.

Medicare Savings Program (MSP) types

The federal government pays for Medicare Savings Programs, but individual state Medicaid agencies run them. These programs help people with limited income and resources pay Medicare costs that include monthly rates and out-of-pocket costs, such as your deductible, copays and coinsurance.

You can apply for a Medicare Savings Program through your state's Medicaid office. To find the contact info for your area, select your state on Medicaid.gov.

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Frequently asked questions

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Sources

Information on Medicare income limits, Medicare Savings Programs and the Extra Help program was from several sources, including Medicare.gov, CMS.gov, SSA.gov, Benefits.gov, IRS.gov, the Medicare Payment Advisory Commission (MedPAC) and the National Council on Aging (NCOA).