Medicare Part B Income-Related Monthly Adjustment Amounts
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 Part B premium and an income-related monthly adjustment amount (IRMAA).
| Beneficiaries who file individual tax returns with modified adjsuted gross income: | Beneficiaries who file joint tax returns with modified adjusted gross income: |
File married & separate tax return |
Total Monthly Premium Amount
|
| $106,000 or less | $212,000 or less | $106,000 or less |
$185.00 |
| above $106,000 up to $133,000 | above $212,000 up to $266,000 | not applicable | $259.00 |
| above $133,000 up to $167,00 | above $266,000 up to $334,000 | not applicable | $370.00 |
| above $167,000 up to $200,000 | above $334,000 up to $400,000 | not applicable | $480.90 |
| above $200,000 and less than $500,000 | above $400,000 and less than $750,000 | above $106,000 and less than $394,000 | $591.90 |
| $500,000 or above | $750,000 or above | $394,000 or above | $628.90 |
Medicare Drug Coverage (Part D) Premiums
The chart below shows your estimated drug plan monthly premium based on your income. If your income is above a certain limit, you’ll pay an income-related monthly adjustment amount in addition to your plan premium. If your yearly income in 2023 was:
|
File Individual tax return |
File joint tax return | File married & separate tax return | You pay each month (in 2025) |
| $106,000 or less | $212,000 or less | $106,000 or less | Your plan premium |
|
above $106,000 up to $133,000 |
above $212,000 up to $266,000 | not applicable | $13.70 + your plan premium |
| above $133,000 up to $167,000 | above $266,000 up to $334,000 | not applicable | $35.30 + your plan premium |
| above $167,000 up to $200,000 | above $334,000 up to $400,000 | not applicable | $57.00 + your plan premium |
| above $200,000 and less than $500,000 | above $400,000 and less than $750,000 | above $106,000 and less than $394,000 | $78.60 + your plan premuim |
| $500,000 or above | $750,000 or above | $394,000 or above | $85.80 + your plan premium |
2025 Part D national base premium — $36.78
Medicare uses the national base premium to estimate the Part D late enrollment penalty and the income-related monthly adjustment amounts listed in the table above. The national base amount can change each year. If you pay a late enrollment penalty, your total premium amount may be higher.
This information comes from www.medicare.gov
By contacting the phone number on this website you will be directed to a licensed agent.