What does it cost?
Most people who qualify for Medicare will receive Part A for free, assuming they earned their 40 quarters of tax credits by working and paying taxes for at least ten years. For those that do not qualify for Part A as premium free, in 2025 you can purchase Part A for a premium of $281 or $510 per month depending on how many quarters you’ve earned. But again, most people will qualify for Part A with no premium.
Part B, however, is not free and does come with a cost. In 2025, most people will pay a monthly premium of $185.00 for Part B of Medicare. However, your individual tax return income in 2023 was higher than $106,000 per year, or your joint tax return income was above $212,000 per year, you will pay more for your Part B premium.
The below chart displays exactly what you would pay based on your 2023 income levels. Your 2023 income determines what you pay for Medicare Part B in 2025.
File Individual
Tax Return
File Individual Tax Return
$103,000 or less
File Joint
Tax Return
File Joint Tax Return
$206,000 or less
File Married & Separate Tax Return
File Married & Separate Tax Return
$103,000 or less
Your Medicare
Part B Premium
Your Medicare Part B Premium
$174.70
File Individual Tax Return
$106,000 or less
File Joint Tax Return
$212,000 or less
File Married & Separate Tax Return
$106,000 or less
Your Medicare Part B Premium
$185.00
File Individual Tax Return
Above $106,000 up to $133,000
File Joint Tax Return
Above $212,000 up to $266,000
File Married & Separate Tax Return
Above $106,000 up to $133,000
Your Medicare Part B Premium
$259.00
File Individual Tax Return
Above $133,000 up to $167,000
File Joint Tax Return
Above $266,000 up to $334,000
File Married & Separate Tax Return
Not Applicable
Your Medicare Part B Premium
$370.00
File Individual Tax Return
Above $167,000 up to $200,000
File Joint Tax Return
Above $334,000 up to $400,000
File Married & Separate Tax Return
Not Applicable
Your Medicare Part B Premium
$480.90
File Individual Tax Return
Above $200,000 up to $499,000
File Joint Tax Return
$400,000 up to $749,000
File Married & Separate Tax Return
Above $106,000 up to $394,000
Your Medicare Part B Premium
$591.90
File Individual Tax Return
$500,000 or above
File Joint Tax Return
$750,000 or above
File Married & Separate Tax Return
$394,000 or above
Your Medicare Part B Premium
$628.90
File Individual
Tax Return
File Joint
Tax Return
File Married & Separate Tax Return
Your Medicare
Part B Premium
$106,000
or less
$212,000
or less
$106,000
or less
$185.00
Above $106,000
up to $133,000
Above $212,000
up to $266,000
Above $106,000
up to $133,000
$259.00
above $133,000
up to $167,000
above $129,000
up to $161,000
above $266,000
up to $334,000
above $258,000
up to $322,000
Not applicable
Not applicable
$370.00
$349.40
above $167,000
up to $200,000
above $161,000
up to $193,000
above $322,000
up to $386,000
above $334,000
up to $400,000
Not applicable
Not applicable
$454.20
$480.90
above $200,000
up to $499,000
above $193,000
up to $500,000
above $386,000
up to $750,000
above $400,000
up to $749,000
above $103,000
up to $397,000
above $106,000
up to $394,000
$559.00
$591.90
$500,000
or above
$500,000
or above
$750,000
or above
$750,000
or above
$397,00
or above
$394,000
or above
$594.00
$628.90
If you’re being charged a higher premium for Part B and your income changes in the future you can file an appeal using form ssa-44.
Alternatively you can contact Social Security Administration at 800-772-1213, and telling the representative you want to lower your Medicare Income-Related Monthly Adjustment Amount (IRMAA).
This is a proprietary website and is not associated with, endorsed, or authorized by Medicare or the federal government.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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DBA "Avila Medicare Solutions"
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Cedar Park, Texas 78613
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