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2025 Medicare Advantage Plans

Summary: In 2025, Medicare Advantage plans will see slight changes from 2024. These changes include new limits on drug costs, changes in network availability, and more! Exact details for 2025 Medicare Advantage plans have not yet been released, but when they are, we will be sure to update this page with the latest information. Estimated Read Time: 4 min

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Table of Contents

  1. How Will Medicare Advantage Plans Change in 2025?
  2. Medicare Advantage Plan Costs in 2025
  3. 2025 Medicare Advantage Plan Availability
  4. When Can You Enroll in a 2025 Medicare Advantage Plan?
  5. Stay Updated on 2025 Medicare Advantage Plan Details

Each year, slight changes are made to Medicare Advantage plans that allow them to provide more enhanced benefits to their enrollees and become more competitive among competitor plans. In 2025, Medicare Advantage plan enrollment is expected to continue to rise. Thus, plans will become more and more competitive.

Unfortunately, specific details about 2025 Medicare Advantage plans are not yet available. However, based on previous data, we will be making some educational hypotheses regarding what the landscape of Medicare Advantage will look like in 2025.

How Will Medicare Advantage Plans Change in 2025?

One major change coming to Medicare Advantage plans in 2025 involves Medicare Advantage Prescription Drug plans. Unlike previous years, any Medicare plan offering drug coverage in 2025 will implement a $2,000 out-of-pocket drug spending cap that will eliminate the donut hole phase for the drug portion of coverage.

This change will have a huge impact on individuals with typically high drug costs and could save some individuals thousands of dollars each year in out-of-pocket expenses.

Additional changes to Medicare Advantage plans in 2025 could include changes in benefits, provider networks, and more. Only time will tell exactly what changes will be prominent among Medicare Advantage plans in 2025.

Medicare Advantage Plan Costs in 2025

Medicare Advantage plans have different premium and deductible amounts based on the plan you choose, carrier you enroll with, and the area in which you live. Thus, it is difficult to predict average costs without first understanding how each plan will be individually priced.

However, as of Q1 2024, CMS has released the payment details for carriers who offer Medicare Advantage plans. With a lower-than-expected payment to insurers, experts are predicting there may be higher out-of-pocket costs associated with enrolling in a Medicare Advantage plan in 2025.

2025 Medicare Advantage Plan Availability

Since 2014, the average number of available Medicare Advantage plans for beneficiaries nationwide has either increased or stayed the same year over year. In 2025, we do not expect that trend to end.

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Between 2023 and 2024, the average number of Medicare Advantage plans available to each enrollee stayed the same at 43. Thus, I would not be surprised if this number continues to increase in the mid-forties for 2025.

However, the total number of Medicare Advantage plans nationwide offers a bit more fluctuation over the years. Going down by 39 plans to 3,959 in 2024 from the previous year, there is no conclusive data to help us understand this trend. Thus, it would not be responsible for us to create a prediction for the total number of available Medicare Advantage plans in 2025 nationwide.

One thing we can say for certain is that Medicare Advantage plans in 2025 will be diverse. Enrollees across the country will have access to HMO, PPO, PFFS, and POS plans, as well as Special Needs plans, Medicare Advantage Prescription Drug Plans, and more.

With such a wide variety of plans available there should be a Medicare Advantage plan to fit anyone’s healthcare needs in 2025.

When Can You Enroll in a 2025 Medicare Advantage Plan?

You can enroll in a 2025 Medicare Advantage plan during the Medicare Annual Enrollment Period. This enrollment period begins on October 15 and ends on December 7. Each year, this enrollment period allows Medicare enrollees to choose which Medicare Advantage plan they wish to enroll in for the upcoming year.

Typically, new Medicare Advantage plan details are released around this time to allow enrollees to research their options before needing to enroll during the Annual Enrollment Period. Thus, 2025 Medicare Advantage plan details should be made available to you by October 1, 2024 through the Medicare.gov plan finder tool.

Stay Updated on 2025 Medicare Advantage Plan Details

We are already a quarter of the way through 2024 which means the Medicare Annual Enrollment Period will creep up on us sooner than we know. In order to be as up to date as possible when it comes to 2025 Medicare Advantage plans, it is important to do your research.

As new information becomes available regarding the landscape of Medicare Advantage in 2025, we will be your first source of information. In the meantime, if you need help with your current coverage, do not hesitate to reach out to one of our fully licensed agents who have an endless supply of Medicare knowledge and education to help you navigate any situation.

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Let us help you navigate your Medicare journey

For more information regarding your Medicare coverage, complete our online rate form or give us a call at the number above. We provide 100% free service, with no obligation to enroll in a plan, to help with all of your coverage needs.

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. KFF, Medicare Advantage 2024 Spotlight: First Look. Accessed April 2024 .
    https://www.kff.org/medicare/issue-brief/medicare-advantage-2024-spotlight-first-look/
  2. CMS, Medicare Advantage/Part D Contract and Enrollment Data. Accessed April 2024.
    https://www.cms.gov/data-research/statistics-trends-and-reports/medicare-advantagepart-d-contract-and-enrollment-data
  3. KFF, A Snapshot of Sources of Coverage Among Medicare Beneficiaries. Accessed April 2024.
    https://www.kff.org/medicare/issue-brief/a-snapshot-of-sources-of-coverage-among-medicare-beneficiaries/
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare guru serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.
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