Part B premiums are set to jump 11.6% next year. Here’s what you need to know—and what you can do to prepare.
Part B premiums expected to hit $206.50 (+$21.50/month) the largest since 2022.
Deductibles are also rising 12%.
The base Part D premium could rise 6% to $38.99.
Out-of-pocket cap: $2,100.
Deductibles may climb from $590 → $615, with higher out-of-pocket thresholds.
More enrollees, higher medical costs, and rising drug prices.
The Medicare tax rate hasn’t increased to keep pace.
Review Medicare Advantage plans
Look into Medigap policies
Apply for Extra Help if eligible
Budget for premium increases
IRMAA surcharges are increasing too.
Lower taxable income with Roth conversions or charitable IRA distributions.
Open enrollment runs Oct 15 – Dec 7, 2025.
Review plans early to avoid paying more than you need.
Medicare is changing fast. Talk to a licensed Medicare specialist in San Diego to find the best plan for your needs.