Medicare IRMAA Tier Calculator

Medicare IRMAA Guide

The Income-Related Monthly Adjustment Amount (IRMAA) adds a statutory surcharge to Medicare premiums for higher earners.

Surcharge Structure

Total Monthly Premium = Base Part B + Part B IRMAA + Part D IRMAA
Annual Surcharge = (Part B IRMAA + Part D IRMAA) * 12

Frequently Asked Questions

Which tax year determines my IRMAA?

Social Security uses your federal tax return from two years prior (for example, your tax return filed two years earlier determines your current Medicare premium tier).

Can I appeal an IRMAA determination?

Yes, via Form SSA-44 if you experienced a qualifying life-changing event such as retirement or loss of income.