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If you are a higher-income Medicare beneficiary, you can expect to pay higher premiums for Medicare Part B (medical insurance) and Part D (prescription drug coverage). The additional amount added to your premiums is called the income-related monthly adjustment amount (IRMAA).
Most beneficiaries do not have to pay higher premiums.
Social Security determines if you're required to pay an IRMAA based on your most recent federal tax return. If you meet the criteria for the IRMAA limits, they will send you a letter (see sample) with your premium amount, and an explanation of how they made the determination.
The standard Part B premium for 2025 is $185 per month. If you have Medicare Part D, your Part D premium amount will vary depending on the insurance company you purchase it from.
Below we show how much your IRMAA will likely be based on your modified gross income (MAGI) and filing status.
| 2023 Individual tax return | 2023 Joint tax return | 2023 Married and separate tax return | 2025 Part B premium |
|---|---|---|---|
| $106,000 or less | $212,000 or less | $106,000 or less | $185.00 |
| More than $106,000 and up to $133,000 | More than $212,000 and up to $266,000 | N/A | $259.00 |
| More than $133,000 and up to $167,000 | More than $266,000 and up to $334,000 | N/A | $370.00 |
| More than $167,000 and up to $200,000 | More than $334,000 and up to $400,000 | N/A | $480.90 |
| More than $200,000 and less than $500,000 | More than $400,000 and less than $750,000 | More than $106,000 and less than $394,000 | $591.90 |
| $500,000 or more | $750,000 or more | $394,000 or more | $628.90 |
| 2023 Individual tax return | 2023 Joint tax return | 2023 Married & Separate tax return | 2025 Part D IRMAA surcharge |
|---|---|---|---|
| $106,000 or less | $212,000 or less | $106,000 or less | $0.00 + your plan premium |
| More than $106,000 up to $133,000 | More than $212,000 up to $266,000 | N/A | $13.70 + your plan premium |
| More than $133,000 up to $167,000 | More than $266,000 up to $334,000 | N/A | $35.30 + your plan premium |
| More than $167,000 up to $200,000 | More than $334,000 up to $400,000 | N/A | $57.00 + your plan premium |
| More than $200,000 and less than $500,000 | More than $400,000 and less than $750,000 | More than $106,000 and less than $394,000 | $78.60 + your plan premium |
| $500,000 or more | $750,000 or more | $394,000 or more | $85.80 + your plan premium |
Should you decide to enroll in one and already pay an IRMAA for the other, Social Security will automatically apply the adjustment to the program when you enroll.
|
NOTE: The adjustment amount for Part D is based on a percentage of the national base beneficiary premium, not a percentage of your plan premium. |
If your income has gone down and the change is substantial enough that your income level no longer qualifies you for an IRMAA, contact The Social Security Administration to request a new initial determination.
The following situations may entitle you to a new decision regarding your adjustment amount:
To learn more about Medicare, read through some of our helpful guides below.
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareSupplement.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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