IRMAA Brackets 2025
Agents need to understand the Medicare IRMAA brackets 2025 this can have an impact on their clients’ budget for next year. It can affect their Medicare Part B costs as well as their Part D costs.
What is an IRMAA
IRMAA is an additional charge added to both Medicare Part B and Medicare Part D premiums. An IRMAA applies to beneficiaries who have an income level above a specific annual pre-determined amount. Income amounts are decided on a sliding scale each year and consist of 5 income brackets. When the Social Security administration determines a beneficiary must pay an IRMAA, they send a notice of the additional premium as well as an explanation.
The IRMAA is decided using the income from 2 years prior. In other words: IRMAA amounts in 2025 are based on 2023 income.
The Determination of Part B and Part D premiums are calculated by adding the current Part B or Part D premium to amount of the IRMAA.
Part B & Part D IRMAA income brackets & surcharge amounts 2025
| Single | Married Filing Jointly | Married Filing Separately | Part B Premium | Part D IRMAA |
|---|---|---|---|---|
| $106,000 or less | $212,000 or less | $106,000 or less | $185.00 | $0 + your plan premium |
| $106,000 up to $133,000 | $266,000 up to $334,000 | N/A | $259 | $13.70 + your plan premium |
| $133,000 up to $167,000 | $266,000 to $334,000 | N/A | $370 | $35.30 + your plan premium |
| $167,000 up to $200,000 | $334,000 up to $400,000 | N/A | $480.90 | $57.00 + your plan premium |
| $200,000 and less than $500,000 | $400,000 and less than $750,000 | $106,000 and less than $394,000 | $591.90 | $78.60 + your plan premium |
| $500,000 or above | $750,000 and above | $394,000 or above | $628.90 | $85.80 + your plan premium |
Please note: The IRMAA for married Medicare beneficiaries who file separate tax returns are higher if they lived together for any amount of the year.
Paying the IRMAA
Because Part B and Part D are 2 separate IRMAAs, beneficiaries make the payments n different ways. The CMS automatically adds the Part B IRMAA to the monthly premium bill. Beneficiaries pay the Part D IRMAA directly to Medicare.
IRMAA for Part B
Here are a few ways to pay your Part B IRMAA
- Send your payment to Medicare through the mail. You can send either a check, money order or credit or debit card information by filling out the coupon attached to the bottom of your bill. If you are sending payment without the coupon, be sure to put your Medicare number in the memo of the check. Send payments in the return envelope that comes with your invoice and mail payments to Medicare Premium Collection Center, P.O. Box 790355, St Louis , MO 63179-0355.
- The quickest way to pay is online with your secure Medicare account. You can use a credit or debit card or pay through either your checking or savings account.
- Use Medicare Easy Pay to have Medicare deduct your premiums from your savings or checking directly each month. Please note; it can take up to 8 weeks for automatic deductions to begin. Be sure you pay the premiums another way until it is set up. You can also use your bank’s online bill payment service if they offer one.
Part D IRMAA
On the other hand, you must pay the IRMAA for Part D directly to Medicare. The beneficiary must pay it even if their employer or a third party (e.g., retirement system) pays their Part D premiums. They receive a monthly bill from Medicare for the Part D IRMAA. This amount can be paid using the same method used to pay for their Part B premium.
Usually, beneficiaries receive the bill the same month it is due. The premiums are always due on the 25th of each month. In the event that you miss a payment, or send it in late, it is included with the next bill.
How to request a redetermination
The SSA (Social Security Administration) bases their determination of who owes an IRMAA on the income reported on tax returns from the 2 years before you pay the IRMAA. If SSA does decide you owe an IRMAA, they send you an initial determination notice. When you receive this notice, you will also get information explaining how to request a new initial determination.
If Social Security receives a new initial determination, they may revise the amount owed or take the IRMAA away all together. To request the redetermination, either schedule an appointment with your local Social Security office or submit the following form:
Medicare IRMAA Life-Change Event form
You need to provide documentation of your correct income or of the life-changing event that has affected your income level in a negative way.
Here are examples of acceptable life-changing events:
- Death of a spouse, a divorce or annulment or a marriage
- If either spouse stops or reduces the number of hours they work
- When either spouse loses a pension
- Loss of income due to income producing property loss because of a natural disaster, fraud or similar circumstances
Click here to download an IRMAA appeal form
If you had an amended tax return, you can call the representatives at SSA +1 800-772-1213 and say you want to lower your (IRMAA) Medicare Income-Related Monthly Adjustment Amount. Use the fact that Social Security used outdated or incorrect information when calculating your IRMAA.