This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: January 15, 2025. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
IRMAA (Income-Related Monthly Adjustment Amount)
A Medicare surcharge added to your Part B and Part D premiums if your income exceeds certain thresholds.
Full Definition
IRMAA is an additional premium surcharge for Medicare Part B and Part D that applies to individuals with higher incomes. The Social Security Administration uses your income from two years prior to determine your IRMAA. In 2025, the surcharge begins for individuals with income above $106,000 (single) or $212,000 (joint). It can add anywhere from a few hundred to over $2,000 per year in additional premiums. You can appeal IRMAA if your income has dropped significantly since the reference year.
Real-World Example
You retired in 2024, but your 2022 income (when you were still working) was $150,000. Your 2024 Medicare Part B premium includes an IRMAA surcharge on top of the standard premium. You can appeal using Form SSA-44 to reflect your new, lower retirement income.
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