Medicare Part D IRMAA 2025 is important for beneficiaries and agents to understand. The Social Security administration adds the IRMAA costs for Medicare Part D into the plan premium for each enrollee’s plan. Part D plans have a wide range of premiums. They can range from $0 to as much as $150 or more per month. The price of each plan depends on the area each beneficiary lives in as well as the plan they choose.
What is IRMAA
IRMAA (income-related monthly adjustment amount) is a surcharge on Medicare Part B as well as Medicare Part D plan premiums. It applies to Medicare beneficiaries who have gross income over a specific amount.
Click here to learn about Medicare Part B IRMAAs
How IRMAA amounts are decided
The IRMAA Income amounts are decided annually on a sliding scale and include 5 different income brackets. In the event the Social Security administration determines a client must pay an IRMAA, they will send a premium notice that includes an explanation of the charge.
The IRMAA amounts are based on the beneficiaries’ income from 2 years before the present year. For example: a 2025 IRMAA is based on the beneficiary’s income from 2023. Because income changes from year to year, the IRMAA amount also changes accordingly.
The following IRMAA Part D premium surcharges are based on 2023 income amounts.
| Medicare Part D IRMAA 2025 income levels and premium surcharges | ||
|---|---|---|
| Individual | Joint | Monthly Premium |
| $106,000 or less | $212,000 or less | your Part D premium (no IRMAA) |
| Over $106,000 – $133,000 | Over $212,000 – $266,000 | $13.70 + your Part D premium |
| Over $133,000 – $167,000 | Over $266,000 -$334,000 | $35.30 + your Part D premium |
| Over $167,000 – $200,000 | Over $334,000 – $400,000 | $57 + your Part D premium |
| Over $200,000 – $500,000 | Over $400,000 – $750,000 | $78.60 + your Part D premium |
| Greater than $500,000 | Greater than $750,000 | $85.80 + your Part D premium |
Please note: individuals enrolled in a Medicare Advantage plan that includes prescription drug coverage, will pay the Part D IRMAA as well as the plan premium. If their plan has a $0 premium, they will still have to pay the Part D IRMAA. Social Security also adds The IRMAA to the beneficiaries’ Part B premium.
How to appeal the IRMAA
Beneficiaries can appeal an IRMAA determination in the event they feel it is an error or if they experience a life changing event that results in lower income. Some events that can result in loss of income include divorce, loss of a spouse or loss of employment or other sources of income. The beneficiary can file for a redetermination with the Form SSA-44.
In the event the beneficiary disagrees with the redetermination, they can request a third level appeal through OMHA (Office of Medicare Hearings and Appeals).
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