Short answer: The standard Medicare Part B premium in 2025 is $185.00 per month, with higher amounts for those whose income-related adjustments (IRMAA) apply. The annual Part B deductible for 2025 is $257. If you need IRMAA details based on income, those surcharges range roughly from around $74 to $443.90 per month, added on top of the base premium, depending on modified adjusted gross income and household status.

Details

• Part B base premium: $185.00 per month in 2025. This is the standard amount most enrollees pay, before any income-related adjustments.

• Part B deductible: $257 in 2025. This is the annual amount beneficiaries must pay before Part B coverage begins paying, before any IRMAA considerations.

• IRMAA (income-related monthly adjustment): For 2025, IRMAA adds an additional surcharge on top of the base $185 premium, with brackets and amounts determined by modified adjusted gross income and household size. Typical ranges noted in sources show a broad spread (e.g., from around $74 up to roughly $444 per month), leading to total premiums well above the base amount for higher-income beneficiaries.

• Part D costs (drug coverage): Separate from Part B, average Part D premiums exist and vary by plan; 2025 averages around $46.50, but this is separate from Part B IRMAA and not included in the Part B premium itself.

Notes and sources

• Official CMS notices for 2025 confirm the base Part B premium of $185 and the 2025 deductible of $257. These figures apply to the standard case; IRMAA applies based on income.

• Analyses and industry summaries (AARP, Kiplinger, etc.) discuss the IRMAA brackets and projected changes in 2025 and beyond, useful for planning if income-based surcharges apply.

If you’d like, provide your income bracket (or household size and MAGI) and whether you’re enrolled in any IRMAA-affected category, and the estimate for your total monthly Part B cost (base plus IRMAA) can be calculated more precisely.