If your income exceeds certain thresholds, you'll pay an Income-Related Monthly Adjustment Amount (IRMAA) — a surcharge on top of your standard Medicare Part B and Part D premiums. Enter your filing status and income to see how IRMAA could affect you.
IRMAA is based on your Modified Adjusted Gross Income (MAGI) from your tax return 2 years ago.
MAGI = your Adjusted Gross Income + tax-exempt interest income. You'll find these on your IRS Form 1040. Medicare uses the return from 2 years prior to the current benefit year.
Enter your filing status and income, then click "See My IRMAA Impact" to view your estimated surcharges.
IRMAA stands for Income-Related Monthly Adjustment Amount. It's an extra charge added to your Part B and Part D premiums if your income exceeds certain thresholds. It is not a penalty — it's an income-based sliding scale that affects roughly 7% of Medicare beneficiaries.
Medicare determines your IRMAA using your tax return from two years prior. So your premiums in 2026 are based on your 2024 Modified Adjusted Gross Income (MAGI). If your income has since dropped, you can request a redetermination.
Experienced a significant income drop due to retirement, divorce, death of a spouse, work reduction, or loss of income-producing property? You may qualify for an IRMAA reduction by filing SSA-44 with Social Security. A UMA advisor can guide you through the process.
Your Medicare Supplement (Medigap) premiums are completely separate from IRMAA. Even if you pay a higher Part B premium due to income, your Medigap plan costs remain based on the plan's own rating factors — not your income.
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