What Does IRMAA Stand For?
- Greg Lewis
- Nov 17, 2022
- 1 min read
Updated: Feb 12
Income-related Monthly Adjustment Amount
The standard Part B premium amount in 2025 is $185.00. Most people pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA).
The income-related monthly adjustment amount (IRMAA) is an extra charge added to your premium. It is a sliding scale with a set of statutory percentage-based tables used to adjust Medicare Part B and Part D prescription drug coverage premiums. The higher the beneficiary's range of modified adjusted gross income (MAGI), the higher the IRMAA. Part B & D premium costs are listed below.
Monthly Medicare Part B and D costs per person in 2025, by income*
SINGLE FILERS | MARRIED, FILING JOINTLY | PART B PREMIUM | PART D SURCHARGE † |
Income: $106,000 or less | Income: $212,000 or less | $185.00 | $0 |
$106,001 - $133,000 | $212,001 - $266,000 | $259.00 | $13.70 |
$133,001 - $167,000 | $266,001 - $334,000 | $370.00 | $35.30 |
167,001 - $200,000 | $334,001 - $400,000 | $480.90 | $57.00 |
$200,001 - $499,999 | $400,001 - $750,000 | $591.90 | $78.60 |
$500,000 and above | $750,000 and above | $628.90 | $85.80 |
*Income determining 2025 premiums is 2023 adjusted gross income plus tax-exempt interest income
†Surcharge is added to the Part D premium, which varies based on the plan
Source: Centers for Medicare and Medicaid Services
