7, Nov 2023
2025 IRMAA Brackets Based On 2025 Income
2025 IRMAA Brackets Based on 2025 Income
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2025 IRMAA Brackets Based on 2025 Income
The Income-Related Monthly Adjustment Amount (IRMAA) is a surcharge added to Medicare Part B and Part D premiums for high-income earners. IRMAA brackets are adjusted annually based on the previous year’s income. The following are the IRMAA brackets for 2025, based on 2025 income:
Medicare Part B IRMAA Brackets
| Filing Status | Single | Married Filing Jointly |
|---|---|---|
| Below $97,000 | $0 | $194,000 |
| $97,000 – $129,000 | $121.80 | $243,600 |
| $129,000 – $161,000 | $162.60 | $324,000 |
| $161,000 – $193,000 | $203.40 | $406,800 |
| $193,000 and above | $244.20 | $489,600 |
Medicare Part D IRMAA Brackets
| Filing Status | Single | Married Filing Jointly |
|---|---|---|
| Below $91,000 | $0 | $182,000 |
| $91,000 – $122,000 | $12.40 | $244,000 |
| $122,000 – $153,000 | $32.60 | $306,000 |
| $153,000 – $184,000 | $42.80 | $368,000 |
| $184,000 and above | $53.00 | $432,000 |
How IRMAA Works
If your income exceeds the IRMAA thresholds, you will pay a higher monthly premium for Medicare Part B and Part D. The IRMAA surcharge is added to the standard premium amount. For example, in 2025, the standard premium for Medicare Part B is $164.90 per month. If you are single and your income is $130,000, you would pay an additional $162.60 per month in IRMAA surcharges, for a total monthly premium of $327.50.
Income Thresholds
The IRMAA income thresholds are based on your modified adjusted gross income (MAGI). MAGI is your adjusted gross income (AGI) plus tax-exempt interest and certain other adjustments. You can find your MAGI on line 11 of your federal income tax return (Form 1040).
Calculating Your IRMAA Surcharge
To calculate your IRMAA surcharge, use the following formula:
- Part B: IRMAA surcharge = (IRMAA percentage) x (standard Part B premium)
- Part D: IRMAA surcharge = (IRMAA percentage) x (standard Part D premium)
The IRMAA percentages for 2025 are as follows:
| Filing Status | Part B | Part D |
|---|---|---|
| Single | 50% | 25% |
| Married Filing Jointly | 75% | 50% |
| Married Filing Separately | 100% | 75% |
| Head of Household | 75% | 50% |
Example
Let’s say you are single and your MAGI for 2025 is $130,000. The standard Part B premium for 2025 is $164.90. Your IRMAA surcharge for Part B would be:
- IRMAA surcharge = (50%) x ($164.90) = $82.45
Your total monthly premium for Part B would be:
- Total premium = $164.90 + $82.45 = $247.35
Paying IRMAA Surcharges
IRMAA surcharges are paid along with your regular Medicare premiums. You can pay your premiums online, by mail, or by phone. If you are enrolled in automatic premium deduction, your IRMAA surcharges will be automatically deducted from your bank account.
Avoiding IRMAA Surcharges
There are a few ways to avoid paying IRMAA surcharges:
- Reduce your income. This can be done by contributing more to tax-advantaged retirement accounts, such as 401(k)s and IRAs.
- Claim dependents. If you have dependents, you can claim them on your tax return to reduce your MAGI.
- File a married filing separately return. If you are married, filing a married filing separately return can help you avoid IRMAA surcharges, but it can also result in higher overall taxes.
Conclusion
IRMAA surcharges are an important factor to consider when planning for your Medicare expenses. If you are a high-income earner, you should be aware of the IRMAA brackets and how they will affect your premiums. By taking steps to reduce your income or claim dependents, you may be able to avoid paying IRMAA surcharges.
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