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Income Rules

How income affects what you pay for Medicare.

Your income affects both what you pay for Medicare (through IRMAA) and what help you may qualify for (through Medicaid, Medicare Savings Programs, and Extra Help).

Key points

  • IRMAA uses Modified Adjusted Gross Income from two years ago.
  • Low-income assistance programs use current income and assets.
  • Life-changing events can support an IRMAA appeal.

Next steps

IRMAA →Medicare Savings Programs →Extra Help →Ask about income rules →

Related topics

Costs

Premiums, deductibles, copays — plain-English breakdown.

Penalties

Late enrollment penalties for Part A, B, and D — how to avoid them.

IRMAA

Income-related monthly adjustment amounts for Part B and D.

Late Enrollment

What happens if you miss your window — and how to fix it.

Educational only. This information is not personalized advice. For your specific situation, verify at Medicare.gov or speak with a licensed Medicare professional.