Income Related Monthly Adjustment Amount (IRMAA)
The Income Related Monthly Adjustment Amount (IRMAA) is an extra fee added to your Medicare Part B and Part D premiums when your income is above a certain amount.
Your Part B IRMAA is automatically added to your Part B premium. This is deducted from your Social Security check if you're receiving one or paid to Medicare when billed.
Your Part D IRMAA is paid directly to Medicare and is separate from your prescription drug plan premium. This can be deducted from your Social Security check if you're receiving one or paid to Medicare when billed.
You'll receive a notice that includes information about the IRMAA and your appeal rights if Social Security determines an IRMAA applies to you. Please remember that Medicare treats IRMAA payments the same way it treats other premium payments, meaning you could lose your coverage if you don't make these payments on time each month. IRMAA payments also apply if you're enrolled in a Medicare Advantage plan that includes drug coverage.
The 2025 Medicare Part B and Part D IRMAA amounts are included below.
Part B IRMAA
The standard Part B premium amount in 2025 is $185. Most people pay the standard Part B premium amount. If your modified adjusted gross income as reported on your 2023 IRS tax return is above a certain amount, you pay the standard premium amount and an IRMAA.
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2025 Part B Premium Based on 2023 Tax Return |
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|
Filed individual tax return |
Filed joint tax return |
Filed married & separate tax return |
Monthly Part B premium for 2025 |
|
$106,000 or less |
$212,000 or less |
$106,000 or less |
$185 |
|
Above $106,000 up to $133,000 |
Above $212,000 up to $266,000 |
Not applicable |
$259 |
|
Above $133,000 up to $167,000 |
Above $266,000 up to $334,000 |
Not applicable |
$370 |
|
Above $167,000 up to $200,000 |
Above $334,000 up to $400,000 |
Not applicable |
$444 |
|
Above $200,000 and less than $500,000 |
Above $400,000 and less than 750,000 |
Above $106,000 and less than 394,000 |
$591.90 |
|
$500,000 or above |
$750,000 or above |
$394,000 or above |
$628.90 |
Part D IRMAA
The chart below shows the 2025 estimated prescription drug plan monthly premium based on your modified adjusted gross income as reported on your 2023 IRS tax return. If your income is above a certain limit, you pay an IRMAA, in addition to your plan premium.
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2025 Part D Premium Based on 2023 Tax Return |
|||
|
Filed individual tax return |
Filed joint tax return |
Filed married and separate tax return |
Monthly Part D premium |
|
$106,000 or less |
$212,000 or less |
$106,000 or less |
The plan's premium |
|
Above $106,000 up to $133,000 |
Above $212,000 up to $266,000 |
Not applicable |
The plan's premium + $13.70 |
|
Above $133,000 up to $167,000 |
Above $266,000 up to $334,000 |
Not applicable |
The plan's premium + $35.30 |
|
Above $167,000 up to $200,000 |
Above $334,000 up to $400,000 |
Not applicable |
The plan's premium + $57 |
|
Above $200,000 and less than $500,000 |
Above $400,000 and less than $750,000 |
Above $106,000 and less than $394,000 |
The plan's premium + $78.60 |
|
$500,000 or above |
$750,000 or above |
$397,000 or above |
The plan's premium + $85.80 |