If you have
Let’s explore the details of the income related monthly adjustment amount (IRMAA) for Medicare.
Income related monthly adjustment amount (IRMAA) for 2025 Medicare Part B & Part D Premiums
3-minute readPublished 03/28/2024Updated 08:56 AM EST, 04/29/2025
What is IRMAA?
IRMAA is a surcharge that people with income above a certain amount must pay in addition to their Medicare Part B and Part D premiums.
The Social Security Administration (SSA) determines who pays an IRMAA based on the income reported 2 years prior. So, for 2025, the SSA looks at your 2023 tax returns to see if you must pay an IRMAA.1
IRMAA is calculated every year. That means if your income is higher or lower year after year, your IRMAA status can change. If the SSA determines you must pay an IRMAA, you’ll receive a notice with the new premium amount and the reason for their determination.1
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3-minute readPublished 03/28/2024Updated 08:56 AM EST, 04/29/2025
Income brackets for Part B and Part D IRMAA
For 2025, the income brackets for Part B and Part D are the same. Here’s a chart explaining how income affects the Part B premium and Part D IRMAA.2
Single | Married Filing Jointly | Married Filing Separately | Part B Premium | Part D IRMAA |
|---|---|---|---|---|
$106,000 or less | $212,000 or less | $106,000 or less | $185 | $0 + your plan premium |
Above $106,000 up to $133,000 | Above $212,000 up to $266,000 | N/A | $259 | $13.70 + your plan premium |
Above $133,000 up to $167,000 | Above $266,000 up to $334,000 | N/A | $370 | $35.30 + your plan premium |
Above $167,000 up to $200,000 | Above $334,000 up to $400,000 | N/A | $480.90 | $57 + your plan premium |
Above $200,000 and less than $500,000 | Above $386,000 and less than $750,000 | Above $103,000 and less than $397,000 | $591.90 | $78.60 + your plan premium |
$500,000 or above | $750,000 and above | $394,000 or above | $628.90 | $85.80 + your plan premium |
Note: If you pay a Medicare late enrollment penalty
How to pay your Part B and Part D IRMAA
Part B IRMAA is automatically added to your monthly premium bill. Here are 4 ways you can pay your Part B premium:
- Online through your
secure Medicare account - From your bank’s online bill payment service
- Signing up for
Medicare Easy Pay Mailing your payment to Medicare
Part D IRMAA must be paid directly to Medicare—not your plan or employer. It’s your responsibility to pay it even if your employer or a third party (e.g., retirement system) pays your Part D plan premiums. You’ll get a bill each month from Medicare for your Part D IRMAA and can pay it the same way you pay your Part B premiums.2
How to appeal an IRMAA
If you disagree with an IRMAA notice you’ve received, you can appeal it for several reasons. One reason is the tax information used by the SSA to decide the IRMAA may have been incorrect or outdated. Another reason is you experienced a life changing event such as a loss of income, death of a spouse, marriage or divorce.3
You have 60 days from receiving a notice to file an appeal. To get started, contact the SSA at 800-772-1213 (TTY: 800-325-0778).3
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3-minute readPublished 03/28/2024Updated 08:56 AM EST, 04/29/2025
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3-minute readPublished 03/28/2024Updated 08:56 AM EST, 04/29/2025
Sources
- “
Premiums: Rules for Higher-Income Beneficiaries ,” Social Security Administration, last accessed Oct. 24, 2024. - “
Monthly premium for drug plans ,” Medicare.gov., last accessed Oct. 24, 2024. - “
What to know about IRMAA: Notice, appeals, and more ,” Medical News Today, last accessed Oct. 24, 2024. - “
2024 Medicare Parts A & B Premiums and Deductibles ,” Centers for Medicare & Medicaid Services, last accessed Oct. 24, 2024.