2025 IRMAA Brackets: What Are They?

What is IRMAA?

The Medicare Income-related monthly adjustment amount (IRMAA) is a surcharge on Medicare Part B (medical insurance) and Medicare Part D prescription drug plan premiums. It applies only to Medicare beneficiaries with a modified adjusted gross income above $106,000 (individual return) or $212,000 (joint return).

How is IRMAA calculated?

The Medicare IRMAA for Part B and Part D is based on your income and is calculated on a sliding scale. When determining whether IRMAA applies to you, Medicare uses the adjusted gross income amount reported on your tax returns from two years prior.

What are the 2025 IRMAA brackets?

The Medicare IRMAA for Part B and Part D is based on your income and is calculated on a sliding scale. When determining whether IRMAA applies to you, Medicare uses the adjusted gross income amount reported on your tax returns from two years prior.

Medicare Part B IRMAA brackets 2025

For 2025, beneficiaries whose 2023 income exceeded $106,000 (individual return) or $212,000 (joint return) will pay a premium amount randing from $259 to $626.90, depending on income.

2025 Medicare Part B IRMAA brackets

Medicare Part D IRMAA brackets 2025

In 2025, beneficiaries whose 2023 income exceeded $106,000 (individual return) or $212,000 (joint return) will pay an added amount on top of plans’ premiums ranging from $13.70 to $85.80 per month, depending on income.

2025 Medicare Part D IRMAA brackets

How do I know if I have to pay the medicare IRMAA?

When you enroll in Medicare, you’ll initially pay thr standard Part B premium and your Part D premium until Social Security receives your income data from the IRS. If your income is high enough for IRMAA to apply, Social Security will mail a predetermination notice.

This notice will explain the IRMAA will apply, how this determination was made and how to proceed if any of this information is in error or your situaion has changed.

After sending out the predetermonation notice, Social Security will mail you an inital determination notice informing you that you owe IRMAA on your Part B and Part D (if applicable) premiums. This notice also includes details regarding how the determination was made and instructions on what to do if you think it isn’t correct. If you receive an initial determination notice, hang onto it and keep it in a safe place.

How do I pay the Medicare IRMAA surcharge?

If you’re receiving retirement benefits from Social Security and already have your Medicare Part B and Part D (if applicable) premiums deducted from your Social Security payment, your IRMAA will automatically be deducted from your Social Security benefit.

The same applies if you receive Railroad Retirement Board benefits — your Part B IRMAA and Part D IRMAA are typically deducted from your payment.

If you don’t have any Medicare premiums deducted from your Social Security payment or Railroad Retirement Board benefits, you’ll receive a bill for your Part B and Part D IRMAAs.

Can I get my IRMAA reduced?

If you believe your IRMAA determination isn’t correct, you’ve got the right to appeal. Todo so, contact the Social Security Administration to request your IRMAA determination to be reconsidered. You can call 800-772-1213 to request an appeal form or fill out a Request for Reconsideration.

You don’t necessarily have to file an appeal. You can contact the SSA at 800-772-1213 and request a new look if your income has declined or if your tax returns were amended. You’ll need to provide copies of documents that support your claim.

If you experienced a life event that affected your income, such as retirement or divorce, fill out the MEdicare Income-Related Monthly Adjustment Amount-Life-Changing Event form (SSA-44). You can fax or mail the form to your local Social Security office

To qualify for a change in IRMAA determination, you’ll have to show that your tax return was out of date or inaccurate for one of these reasons, according to HHS.gov:

• The IRS data contained an error
• The IRS sent old data and you’d like them to use newer information
• A beneficiary filed an amended tax return for the year the Social Security Administration used to make the IRMAA decision
• Your income has recently decreased significantly due to one of these life-changing events: death of a spouse, marriage, annulment or divorce, reduction or loss of work, loss of income from income-generating property, and reduction or loss of certain types of pension income.

Does Social Security automatically adjust IRMAA?

The Social Security Administration updates your IRMAA determination each year based on your federal tax return, which is provided by the IRS. If you filed an amended tax return that would affect your IRMAA amount, contact the SSA so they can update their records.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).