Medicare IRMAA Brackets Calculator

Medicare IRMAA Surcharge Guide

Higher-income beneficiaries pay an Income-Related Monthly Adjustment Amount on Medicare Part B and Part D premiums.

Lookback Rule and Tiers

MAGI Lookback: Prior tax year (2-year lookback)
Part B Total = Base Part B ($185.00) + Part B IRMAA
Part D Total = Plan Premium + Part D IRMAA
Single Threshold: $106,000 | Joint Threshold: $212,000

Frequently Asked Questions

How does Social Security determine my IRMAA tier?

Social Security uses the tax return from two years prior provided directly by the IRS.

Can I appeal an IRMAA surcharge if my income drops?

Yes, file Form SSA-44 for qualifying life-changing events such as retirement, divorce, or loss of income property.