IRMAA – Income-Related Monthly Adjustment Amount
When one starts Medicare, Part B and Part D premiums are estimated using the income tax filing for 1 or 2 prior years. The premium is adjusted up or down when taxes are filed each year. You may initially be billed at the base rate and then receive a secondary notice on what additional cost will be added based on income. The following charts list the adjustments.
Below the charts, is the official booklet on Medicare premium adjustments.
If you need to submit an appeal. Click here for form SSA-44.
2025 Medicare Premium Adjustments - Singles & Couples Filing Jointly
| Single Filing | Couple Filing Jointly | Part B Premium | Part D (Rx) Premium Add-on | Total | Quarterly |
|---|---|---|---|---|---|
| to $106,000 | to $212,000 | $185.00 | $0.00 | $185.00 | $555.00 |
| $106,00.01 to $133,000 | $212,000.01 to $266,000 | $259.00 | $13.70 | $272.70 | $818.10 |
| $133,000.01 to $167,000 | $266,000.01 to $334,000 | $370.00 | $35.30 | $405.30 | $1215.90 |
| $167,000.01 To $200,000 | $334,000.01 to $400,000 | $480.90 | $57.00 | $537.90 | $1613.70 |
| $200,000.01 to less than $500,000 | $400,000.01 to less than $750,000 | $591.90 | $78.60 | $670.50 | $2011.50 |
| $500,000 and above | $750,000 and above | $628.90 | $85.80 | $714.70 | $2144.10 |
2025 Medicare Premium Adjustments - Couples Filing Separately
| Couple Filing Separately | Part B Premium | Part D (Rx) Premium Add-on | Total | Quarterly |
|---|---|---|---|---|
| to $106,000 | $185.00 | $0.00 | $185.00 | $555.00 |
| $106,000.01 to less than $394,000 | $591.90 | $78.60 | $670.50 | $2011.50 |
| $394,000 and over | $628.90 | $85.80 | $714.70 | $2144.10 |
Source: https://www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles
