Modifed adjusted gross income single filers Modifed adjusted gross income married joint filers Part B monthly premium Part D monthly premium $106,000 or less $212,000 or less $185.00 Your plan premium $106,001 – $133,000 $212,001 – $266,000 $259.00 $13.70 + your plan premium $133,001 – $167,000 $266,001 – $334,000 $370.00 $35.30 + your plan premium $167,001 – $200,000 $334,001 – $400,000 $480.90 $57.00 + your plan premium $200,001 – $499,999 $400,001 – $749,999 $591.90 $78.60 + your plan premium $500,000 and above $750,000 and above $628.90 $85.80 + your plan premium Medicare Part B and Part D Monthly Premiums (2025) (based on MAGI for 2023 tax year) A 65-year-old couple who retired in 2023 may need about $351,000 to cover their retirement health-care expenses. This estimate is based on the savings needed to cover premiums for Medicare Part B and Part D, Part B and Part D deductibles, premiums for Medigap Plan G, and median out-of-pocket prescription drug expenses in retirement. It does not factor in costs to cover long-term care and other health expenses not covered by Medicare. Source: Employee Benefit Research Institute, 2024 People often underestimate the potential cost of health care in retirement — even with Medicare.
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