What Is IRMAA?

IRMAA stands for Income-Related Monthly Adjustment Amount. It’s not technically a penalty—but it does increase your Medicare premiums if your income is above a certain threshold.

Who Pays IRMAA?

If your modified adjusted gross income (MAGI) from two years ago is above a set amount, you may owe IRMAA. It applies to both Medicare Part B and Part D premiums.

In 2025, the IRMAA threshold starts at:

• $103,000 for individuals
• $206,000 for joint filers

How Much Is the IRMAA Adjustment?

IRMAA is charged in tiers and added to your regular Medicare premiums. The higher your income, the more you pay. These amounts are reviewed annually by the Social Security Administration.

Can You Appeal IRMAA?

Yes—especially if your income has dropped due to:

• Retirement
• Divorce
• Death of a spouse
• Loss of income-producing property

You can file an appeal with Social Security using Form SSA-44.