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The Income-Related Monthly Adjustment Amount (IRMAA) is a surcharge added to Medicare Part B and Part D premiums for high-income earners. IRMAA brackets are adjusted annually based on the previous year’s income. The following are the IRMAA brackets for 2025, based on 2025 income:
If your income exceeds the IRMAA thresholds, you will pay a higher monthly premium for Medicare Part B and Part D. The IRMAA surcharge is added to the standard premium amount. For example, in 2025, the standard premium for Medicare Part B is $164.90 per month. If you are single and your income is $130,000, you would pay an additional $162.60 per month in IRMAA surcharges, for a total monthly premium of $327.50.
The IRMAA income thresholds are based on your modified adjusted gross income (MAGI). MAGI is your adjusted gross income (AGI) plus tax-exempt interest and certain other adjustments. You can find your MAGI on line 11 of your federal income tax return (Form 1040).
Let’s say you are single and your MAGI for 2025 is $130,000. The standard Part B premium for 2025 is $164.90. Your IRMAA surcharge for Part B would be:
IRMAA surcharges are paid along with your regular Medicare premiums. You can pay your premiums online, by mail, or by phone. If you are enrolled in automatic premium deduction, your IRMAA surcharges will be automatically deducted from your bank account.
IRMAA surcharges are an important factor to consider when planning for your Medicare expenses. If you are a high-income earner, you should be aware of the IRMAA brackets and how they will affect your premiums. By taking steps to reduce your income or claim dependents, you may be able to avoid paying IRMAA surcharges.
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