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2025 IRMAA Brackets and Rules
Reviewed by John Krahnert
2025 Medicare IRMAA (Income-Related Monthly Adjustment Amount) amounts are increased premiums higher income earners must pay for Medicare Part B and Part D benefits. Here’s how it works.
The standard premium for Medicare Part B is $185 in 2025. However, some people may receive a bill for more than that amount along with an IRMAA (Income-Related Monthly Adjustment Amount) notice.
What is IRMAA and how might it affect your Medicare costs?
What is IRMAA for 2025?
The income limit for IRMAA in 2025 is $106,000 for individuals and $212,000 for couples.
IRMAA represents the additional amount that some people might have to pay for their Medicare Part B (medical insurance) or Part D (Medicare prescription drug plans) coverage.
Medicare beneficiaries who have to pay a higher monthly premium for their benefits because of IRMAA must do so because they are categorized as a higher income earner.
How is IRMAA calculated?
Your Medicare Part B and Part D premiums are based on your modified adjusted gross income (MAGI) that is reported on your IRS tax return from two years prior. For example, your 2025 Medicare Part B premiums will be based on your reported income from 2023.
If your 2023 MAGI was $106,000 or less when filed individually (or married and filing separately), or $212,000 or less when filed jointly, you will pay the standard Part B premium of $185 per month in 2025, and you won’t pay a Part B IRMAA.
If you are enrolled in a Part D plan and your MAGI is in the above range, you would pay only the standard premium cost of your Part D plan in 2025, and you won’t pay a Part D IRMAA.
But if your modified adjusted gross income from 2023 is more than those amounts, you will pay more than the standard Part B and Part D premiums in 2025, because you will pay an IRMAA.
The full breakdown is as follows:
| 2023 Individual tax return | 2023 Joint tax return | 2023 Married and separate tax return | 2025 Part B premium | 2025 Part D premium |
|---|---|---|---|---|
|
$106,000 or less |
$212,000 or less |
$106,000 or less |
$185.00 |
Your plan premium |
|
More than $106,000 and up to $133,000 |
More than $212,000 and up to $266,000 |
N/A |
$259.00 |
Your plan premium + $13.70 |
|
More than $133,000 up to $167,000 |
More than $266,000 up to $334,000 |
N/A |
$370.00 |
Your plan premium + $35.30 |
|
More than $167,000 up to $200,000 |
More than $334,000 up to $400,000 |
N/A |
$480.90 |
Your plan premium + $57.00 |
|
More than $200,000 up to $500,000 |
More than $400,000 up to $750,000 |
More than $106,000 up to $394,000 |
$591.90 |
Your plan premium + $78.60 |
|
More than or equal to $500,000 |
More than or equal to $750,000 |
More than or equal to $394,000 |
$628.90 |
Your plan premium + $85.80 |
You will also generally pay the standard Part B premium if:
- You do not receive Social Security benefits
- You receive Social Security benefits, but your Part B premiums are not directly deducted from your Social Security benefits
*If you are subject to a Part D IRMAA, you may be able to save money by enrolling in a Medicare Advantage plan that includes prescription drug coverage.
Because IRMAA is based on your reported income from two years prior, the amount you have to pay for a Medicare IRMAA is subject to change every year.
Why is there a Part D IRMAA?
The Part D IRMAA assessment is needed for those on Medicare that are making above certain incomes each year.
IRMAA was enacted for Medicare Part B premiums in 2003 as a provision of the Medicare Modernization Act. It was then expanded to Part D coverage in 2011 as part of the Affordable Care Act (ACA, also called Obamacare).
IRMAA was developed by the federal government as a means of strengthening the financial stability of the Medicare program. The government pays a majority share (around 75 percent) of the costs for Part B and Part D benefits, while beneficiaries contribute roughly 25 percent.
If you are subject to paying higher Medicare premiums because of IRMAA, you will be notified by the Social Security Administration.
What are my Medicare plan options?
Have more questions about IRMAA or other costs associated with Medicare? Looking for ways to save money on your Medicare coverage?
You can learn more about your Medicare plan options and find a plan that may be able to help you save money. Speak with a licensed insurance agent to find out more.
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About the author
Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
..Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.
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