What is IRMAA?
Income Related Monthly Adjustment Amount
IRMAA is a surcharge added to your part B and D premium based on your MAGI from 2 years back. It will be calculated every year and a determination will be made if it applies.
If you feel that the determination is incorrect, you should call Social Security within 10 days. If you have experienced a life changing event (LCE) such as you are no longer working, you can appeal the charge, either by contacting Social Security or filing form ssa-44.
You should seek the help of a financial professional if needed.
The 2024 IRMAA charts are shown below.
Medicare Part B (Medical Insurance) Costs (continued)
If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard Part B premium and an income-related monthly adjustment amount.
| File individual tax return | File joint tax return | File married & separate tax return | You pay each month (in 2025) |
|---|---|---|---|
| $106,000 or less | $212,000 or less | $106,000 or less | $185.00 |
| above $106,000 up to $133,000 | above $212,000 up to $266,000 | not applicable | $259.00 |
| above $133,000 up to $167,000 | above $266,000 up to $334,000 | not applicable | $370.00 |
| above $167,000 up to $200,000 | above $334,000 up to $400,000 | not applicable | $480.90 |
| above $200,000 and less than $500,000 | above $400,000 and less than $750,000 | above $106,000 and less than $394,000 | $591.90 |
| $500,000 or above | $750,000 or above | $394,000 or above | $628.90 |
If you have questions about your Part B premium, call Social Security at 1‑800‑772‑1213. TTY users can call 1-800-325-0778. If you pay a late enrollment penalty, these amounts may be higher.
2025 Part B deductible—$257 before Original Medicare starts to pay
You pay this deductible once each year.
Medicare Advantage Plans (Part C) Premiums
Visit Medicare.gov/plan-compare to find and compare plan premiums. You can also call 1‑800‑MEDICARE (1-800-633-4227). TTY users can call 1‑877‑486‑2048.
Medicare Drug Coverage (Part D) Premiums
The chart below shows your estimated drug plan monthly premium based on your income. If your income is above a certain limit, you’ll pay an income-related monthly adjustment amount in addition to your plan premium.
| File individual tax return | File joint tax return | File married & separate tax return | You pay each month (in 2025) |
|---|---|---|---|
| $106,000 or less | $212,000 or less | $106,000 or less | Your plan premium |
| above $106,000 up to $133,000 | above $212,000 up to $266,000 | not applicable | $13.70 + your plan premium |
| above $133,000 up to $167,000 | above $266,000 up to $334,000 | not applicable | $35.30 + your plan premium |
| above $167,000 up to $200,000 | above $334,000 up to $400,000 | not applicable | $57.00 + your plan premium |
| above $200,000 and less than $500,000 | above $400,000 and less than $750,000 | above $106,000 and less than $394,000 | $78.60 + your plan premium |
| $500,000 or above | $750,000 or above | $394,000 or above | $85.80 + your plan premium |
2025 Part D national base premium — $36.78
Medicare uses the national base premium to estimate the Part D late enrollment penalty and the income-related monthly adjustment amounts listed in the table above. The national base amount can change each year. If you pay a late enrollment penalty, your total premium amount may be higher.
Do you still have questions? Take a look at our Medicare Basics outline, or give us a call at 931-287-0799. We’d be glad to help you!
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