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IRMAA

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

IRMAA — Income-Related Monthly Adjustment Amount — is an extra amount added to your Part B and Part D premiums if your income is above a threshold.

Social Security uses your tax return from two years ago to decide whether IRMAA applies.

Key points

Based on Modified Adjusted Gross Income from two years back.
Applies to both Part B and Part D.
You can appeal after a life-changing event (retirement, divorce, loss of income) using form SSA-44.
Thresholds are updated annually.

Common questions

What is IRMAA?
IRMAA is an extra amount higher-income people pay for Part B and Part D. It's based on your tax return from 2 years ago.

Next steps

IRMAA estimator tool →Income rules →Ask about IRMAA →

Related topics

Costs

Premiums, deductibles, copays — plain-English breakdown.

Penalties

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

Late Enrollment

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

Income Rules

How income affects what you pay for Medicare.

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