Changes to 2025 Medicare coverage include a $2,000 cap on Part D out-of-pocket costs, small reductions in the average premium for Medicare Advantage and Part D plans, increases for Medicare Part B and Part A premiums and cost-sharing, and adjustments to income-related premium surcharges for Part B and Part D.
For 2025, high-income beneficiaries – earning over $106,000 a year – pay an IRMAA surcharge that’s added to their Part B and Part D premiums and determined by income from their income tax returns two years prior.
By shopping with third-party insurance agencies, you may be contacted by a licensed insurance agent from an independent agency that is not connected with or endorsed by the federal Medicare program.
These agents/agencies may not offer every plan available in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all options available.
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Disclaimer
By shopping with third-party insurance agencies, you may be contacted by a licensed insurance agent from an independent agency that is not connected with or endorsed by the federal Medicare program.
These agents/agencies may not offer every plan available in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all options available.
The Medicare Part D “donut hole,” which existed from 2006 (when the Medicare Part D began) through 2024, referred to the coverage gap in the Part D prescription drug benefit. This gap existed after an enrollee’s prescription drug costs exceeded the initial coverage limit (an amount set each year by CMS), but had not yet reached the catastrophic coverage level.
As of 2025, the Medicare Part D “donut hole” no longer exists – meaning there is no longer a coverage gap during which Part D enrollees face higher drug costs. Learn how coverage works now that the 'donut hole' has been eliminated.
Beginning in 2023, a series of changes began to be phased in under the Inflation Reduction Act, designed to lower out-of-pocket costs, expand access to vaccines, and rein in drug price increases.
Changes to Medicare prescription drug coverage taking effect in 2026 include an increase to the Part D out-of-pocket limit and to the maximum Part D deductible – and negotiated prices take effect for ten high-cost medications.
Learn how Medicare Part D prescription drug coverage works, what it pays for, how and when to enroll, how many people have Part D. and the potential penalty for late enrollment.
As of 2025, the Medicare Part D “donut hole” no longer exists – meaning there is no longer a coverage gap during which Part D enrollees face higher drug costs. Learn how coverage works now that the 'donut hole' has been eliminated.
Beginning in 2023, a series of changes began to be phased in under the Inflation Reduction Act, designed to lower out-of-pocket costs, expand access to vaccines, and rein in drug price increases.
Changes to Medicare prescription drug coverage taking effect in 2026 include an increase to the Part D out-of-pocket limit and to the maximum Part D deductible – and negotiated prices take effect for ten high-cost medications.
Learn how Medicare Part D prescription drug coverage works, what it pays for, how and when to enroll, how many people have Part D. and the potential penalty for late enrollment.
