Medicare IRMAA Calculator
Calculate Income-Related Monthly Adjustment Amounts for Medicare Parts B and D
Your Medicare Premium Adjustment
📋 Part B (Medical Insurance) - Monthly Premiums
Standard Premium: $185.00
IRMAA Surcharge: $0.00
Your Total Part B Premium: $185.00
💊 Part D (Prescription Drugs) - Monthly Adjustment
IRMAA Surcharge: $0.00
Added to Your Part D Premium: $0.00
Annual Impact
$0
Total additional cost per year due to IRMAA
2025 IRMAA Income Thresholds & Surcharges
| Filing Status | MAGI Range | Part B Surcharge | Part D Surcharge | Total Monthly |
|---|
💡 Income Planning Tips
IRMAA is based on your Modified Adjusted Gross Income (MAGI) from 2 years prior. Consider these strategies:
- Roth IRA conversions in lower-income years
- Timing of retirement account withdrawals
- Harvesting investment losses
- Charitable giving strategies
- Managing Social Security timing
⚖️ Appeal Process
You can appeal IRMAA determinations if you've experienced a life-changing event:
- Death of spouse
- Marriage or divorce
- Work reduction or stoppage
- Loss of pension income
- Natural disasters affecting income
File Form SSA-44 within 60 days of receiving your IRMAA notice.
Important Disclaimer:
This calculator provides estimates based on 2025 Medicare premium rates and IRMAA thresholds. Actual amounts may vary based on your specific tax situation and any mid-year changes to Medicare rates. Consult with a tax professional or Medicare advisor for personalized guidance. IRMAA determinations are made by the Social Security Administration based on IRS tax return data.
