Are Medicare Hospital Costs Increasing in 2025?

• Admin
• 25 Jan 2025

Are Medicare Hospital Costs Increasing in 2025?

No one wants to end up in the hospital, but if you’re enrolled in Medicare and require inpatient care in 2025, it’s important to understand what costs you may face. While many people qualify for premium-free Medicare Part A due to paying Medicare taxes for at least 40 quarters, there are still other out-of-pocket expenses like deductibles and coinsurance.

Do You Have to Pay for Medicare Part A?

If you do not qualify for premium-free Part A, you can still purchase coverage. In 2025, premium costs are increasing:

• $518 per month if you’ve worked less than 30 quarters
• $285 per month if you’ve worked between 30 and 39 quarters

What Does Medicare Part A Cover?

Part A helps pay for:

• Inpatient hospital care
• Skilled nursing facility (SNF) care
• Home health care
• Hospice care

Before your coverage begins, you must first meet your annual Part A deductible.

What Is the Part A Deductible in 2025?

In 2025, the Medicare Part A inpatient hospital deductible is $1,676, which is a $44 increase from 2024. Once this deductible is paid, you will not have to pay coinsurance for the first 60 days of hospitalization.

Part A Inpatient Hospital Coinsurance in 2025

• Days 1–60: $0 coinsurance
• Days 61–90: $419 per day (up from $408 in 2024)
• Days 91 and beyond: You’ll begin using your lifetime reserve days, with higher costs

How Much Will Skilled Nursing Facility (SNF) Care Cost in 2025?

SNF care offers services like rehabilitation, nursing care, and therapy for individuals recovering from an illness or injury. If your stay is covered under Part A:

• Days 1–20: $0 coinsurance
• Days 21–100: $209.50 per day (up from $204 in 2024)

What If You Have a Medicare Advantage Plan?

Medicare Advantage (MA) plans must offer at least the same coverage as Original Medicare Part A and Part B. Many also include extra benefits such as dental, vision, and hearing. Your costs may differ depending on the MA plan you choose, so be sure to check your plan’s benefits and cost-sharing details directly.