What Does IRMAA Stand For?

Income-related Monthly Adjustment Amount

The standard Part B premium amount in 2025 is $185.00. Most people pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA).

The income-related monthly adjustment amount (IRMAA) is an extra charge added to your premium. It is a sliding scale with a set of statutory percentage-based tables used to adjust Medicare Part B and Part D prescription drug coverage premiums. The higher the beneficiary's range of modified adjusted gross income (MAGI), the higher the IRMAA. Part B & D premium costs are listed below.

Monthly Medicare Part B and D costs per person in 2025, by income*

SINGLE FILERS	MARRIED, FILING JOINTLY	PART B PREMIUM	PART D SURCHARGE †
Income: $106,000 or less	Income: $212,000 or less	$185.00	​$0
$106,001 - $133,000	$212,001 - $266,000	$259.00	$13.70
$133,001 - $167,000	$266,001 - $334,000	$370.00	$35.30
167,001 - $200,000	$334,001 - $400,000	$480.90	​$57.00
​$200,001 - $499,999	​$400,001 - $750,000	$591.90	​$78.60
$500,000 and above	$750,000 and above	$628.90	$85.80

*Income determining 2025 premiums is 2023 adjusted gross income plus tax-exempt interest income

†Surcharge is added to the Part D premium, which varies based on the plan

Source: Centers for Medicare and Medicaid Services