IRMAA
An additional premium surcharge added to Medicare Part B and Part D premiums for beneficiaries whose income exceeds certain thresholds, based on modified adjusted gross income (MAGI) from two years prior.
For 2025, IRMAA surcharges begin for individuals with income above $106,000 (or $212,000 for married couples).
IRMAA can significantly offset Social Security COLA increases for higher-income retirees.
You can appeal an IRMAA determination if your income has decreased significantly (e.g., due to retirement or divorce).
→ Filing a life-changing event form (SSA-44) can reduce or eliminate IRMAA if income dropped.
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Frequently asked questions about IRMAA
What is IRMAA in Medicare?+
IRMAA stands for Income-Related Monthly Adjustment Amount. It means you pay extra for Medicare Part B and Part D if your income is above a certain amount. This extra cost is added to your usual monthly plan fees. The amount is based on your income from two years before.
Why do I have to pay IRMAA?+
You pay IRMAA if your income is higher than limits set by Medicare. This ensures that people with higher incomes contribute more to their healthcare costs. The government looks at your tax return from two years ago to decide if you need to pay this extra amount.
How do I know if I owe IRMAA?+
Medicare will send you a letter if you need to pay IRMAA. This letter will tell you how much extra you need to pay for your Part B and Part D premiums. It's based on the income reported on your tax return from two years prior.
Can I appeal an IRMAA decision?+
Yes, you can appeal an IRMAA decision if your income has gone down due to certain life events, like retirement, divorce, or death of a spouse. You'll need to contact Social Security to let them know about your change in income. They will review your case.