2025 Medicare Highlights

Each year, the Centers for Medicare & Medicaid Services (CMS) may adjust Medicare premiums, deductibles, and copays as needed. Most people do not pay a monthly premium for Medicare Part A if they or their spouse paid Medicare taxes while working. However, to be covered under Medicare Part B, you must pay a monthly premium, which is typically deducted from your Social Security benefit. By law, the standard monthly premium is set each year at 25% of the cost for senior beneficiaries, with the government covering the remaining 75%.

The chart below compares the costs for 2024 and 2025. The Health Options Program is designed to cover some or all of these deductibles and coinsurances. For instance, the HOP Medical Plan covers your Part A deductible and coinsurance for hospital and skilled nursing facility stays, as well as your Part B deductible after you pay the first $50. The Value Medical Plan also covers 100% of Medicare’s hospital deductible and daily copays, after you pay the first $300.