2025 Medicare IRMAA Brackets
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2025 Medicare IRMAA Brackets
The Income-Related Monthly Adjustment Amount (IRMAA) is a surcharge that is added to the Medicare Part B and Part D premiums of high-income earners. The IRMAA brackets are adjusted annually to reflect changes in the cost of living. For 2025, the IRMAA brackets are as follows:
Part B IRMAA Brackets
| Filing Status | Single | Married Filing Jointly |
|---|---|---|
| Below $97,000 | $0 | $194,000 |
| $97,000 – $129,000 | $56.40 | $112.80 |
| $129,000 – $161,000 | $121.80 | $243.60 |
| $161,000 – $218,000 | $194.60 | $389.20 |
| $218,000 – $275,000 | $282.60 | $565.20 |
| Over $275,000 | $370.60 | $741.20 |
Part D IRMAA Brackets
| Filing Status | Single | Married Filing Jointly |
|---|---|---|
| Below $91,000 | $0 | $182,000 |
| $91,000 – $122,000 | $33.10 | $66.20 |
| $122,000 – $157,000 | $73.90 | $147.80 |
| $157,000 – $214,000 | $126.20 | $252.40 |
| $214,000 – $272,000 | $185.30 | $370.60 |
| Over $272,000 | $252.40 | $504.80 |
How to Calculate Your IRMAA
To calculate your IRMAA, you will need to know your modified adjusted gross income (MAGI). Your MAGI is your adjusted gross income (AGI) plus certain other types of income, such as tax-exempt interest and foreign income.
Once you know your MAGI, you can use the IRMAA brackets to determine how much your IRMAA will be. For example, if you are single and your MAGI is $130,000, your IRMAA for Part B will be $56.40 per month.
Paying Your IRMAA
Your IRMAA will be added to your Medicare Part B and Part D premiums. You can pay your IRMAA in monthly installments or in a lump sum.
If You Don’t Pay Your IRMAA
If you don’t pay your IRMAA, you may be subject to a penalty. The penalty is equal to 50% of the IRMAA that you owe.
Getting Help with Your IRMAA
If you have questions about your IRMAA, you can contact the Social Security Administration (SSA) at 1-800-772-1213.
Additional Information
The IRMAA is not a tax. It is a surcharge that is used to help cover the costs of Medicare Part B and Part D.
The IRMAA brackets are adjusted annually to reflect changes in the cost of living.
High-income earners who are subject to the IRMAA may be able to reduce their IRMAA by taking advantage of certain tax deductions and credits.
Conclusion
The IRMAA is a surcharge that is added to the Medicare Part B and Part D premiums of high-income earners. The IRMAA brackets are adjusted annually to reflect changes in the cost of living. If you are subject to the IRMAA, you can pay it in monthly installments or in a lump sum. If you don’t pay your IRMAA, you may be subject to a penalty.
Closure
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