The average monthly premium for a stand-alone Part D prescription plan is projected to be $40 next year, a decline of $1.63, or nearly $20 annually, the Centers for Medicare & Medicaid Services (CMS) said in September. Average Medicare Advantage monthly premiums are expected to decrease by $1.23 a month to $17 in 2025. Medicare Advantage members must be enrolled in Parts A and B of Medicare. Part A is free if a person or their spouse has paid Medicare taxes for at least 40 quarters, the equivalent of 10 years. Part B premiums are recalculated every year. About 60 percent of Medicare Advantage enrollees who stay in their current plan will have no MA premium next year, CMS officials say. The agency projects that more than 4 in 5 enrollees will have the same or lower premiums in 2025 if they stay with the plan.