Medicare Premium Increases in 2025—What IRMAA Means for You?
How the Medicare IRMAA 2025 Brackets Affect Your Healthcare Costs
Medicare is a fantastic program that helps millions of people get the healthcare they need, but did you know its cost can depend on your income? If you’re enrolled in Medicare Part B or Part D, you might face an extra charge called the Medicare Income-Related Monthly Adjustment Amount (IRMAA), which could mean higher monthly premiums for some beneficiaries.
Here’s the deal: if your modified adjusted gross income (MAGI) from 2023 was more than $106,000 as an individual or $212,000 as a couple filing jointly, you’ll be placed into a higher payment bracket in 2025. This affects about 8% of Medicare enrollees, and the more you earn, the more you’ll pay—sometimes adding hundreds of dollars per month to your healthcare costs.
But don’t worry, you’re not stuck paying more without options! The answer is understanding how IRMAA is calculated, what the new brackets look like for 2025, and whether you can appeal if your income has changed. With the right strategy, you may even be able to lower your costs and avoid unnecessary expenses.
What Is IRMAA, and How Is It Calculated?
The Medicare Income-Related Monthly Adjustment Amount (IRMAA) is an extra charge added to your Medicare Part B and Part D premiums if your income is above a certain level.
Medicare calculates IRMAA using your modified adjusted gross income (MAGI) from two years prior—so for 2025, it will look at your 2023 tax return. The higher your income, the more you’ll pay, with costs increasing on a sliding scale.
Your IRMAA bracket is determined by how much your MAGI exceeds the standard income threshold, and the extra amount is added on top of your standard premium.
2025 IRMAA Brackets—How Much Will You Pay?
If your 2023 income exceeds the IRMAA threshold, you’ll pay more for Medicare Part B and Part D in 2025. The amount you owe depends on which income bracket you fall into, with higher earners paying the most.
Here’s a breakdown of the new 2025 IRMAA brackets and how much you can expect to pay:
Medicare Part B Premiums for 2025 (Including IRMAA Adjustments)
| Individual Income | Joint Income | Monthly IRMAA Amount | Total Monthly Part B Premium |
| ≤ $106,000 | ≤ $212,000 | $0.00 | $185.00 (Standard Premium) |
| $106,001 – $133,000 | $212,001 – $266,000 | $74.00 | $259.00 |
| $133,001 – $167,000 | $266,001 – $334,000 | $185.00 | $370.00 |
| $167,001 – $200,000 | $334,001 – $400,000 | $295.90 | $480.90 |
| $200,001 – $500,000 | $400,001 – $750,000 | $406.90 | $591.90 |
| ≥ $500,000 | ≥ $750,000 | $443.90 | $628.90 |
Medicare Part D Premium Adjustments for 2025
For Medicare Part D (prescription drug coverage), IRMAA is an additional amount you must pay on top of your plan’s premium. Here’s how much extra you’ll now owe based on your 2023 income:
| Individual Income | Joint Income | Monthly IRMAA Amount (Part D) |
| ≤ $106,000 | ≤ $212,000 | $0.00 |
| $106,001 – $133,000 | $212,001 – $266,000 | $13.70 |
| $133,001 – $167,000 | $266,001 – $334,000 | $35.30 |
| $167,001 – $200,000 | $334,001 – $400,000 | $57.00 |
| $200,001 – $500,000 | $400,001 – $750,000 | $78.60 |
| ≥ $500,000 | ≥ $750,000 | $85.80 |
What This Means for You
- If your MAGI is below $106,000 ($212,000 for couples), you’ll only pay the standard premiums for Part B and Part D.
- If your MAGI is higher, your Part B premium could rise to $628.90 per month, and your Part D costs could increase by up to $85.80 per month.
- These extra costs are automatically deducted from your Social Security check or billed directly to you.
If you think your income has decreased since 2023, you may be able to appeal your IRMAA charges.
Can You Appeal Your IRMAA? How to Lower Your Medicare Costs
If you’ve been hit with higher Medicare premiums due to IRMAA, don’t panic—you might be able to appeal the decision and lower your costs.
When Can You Appeal IRMAA?
Medicare bases IRMAA calculations on your income from two years ago (so 2025 premiums are based on 2023 income). But if your current income is lower due to a life-changing event, you can request an adjustment.
Medicare allows IRMAA appeals for the following qualifying life events:
✅ Retirement or reduced work hours (lower income)
✅ Death of a spouse (joint income decreases)
✅ Divorce or annulment
✅ Loss of a pension or income-producing property
✅ Employer settlement payment changes
If your income dropped due to any of these reasons, you don’t have to keep paying higher premiums—you can file an appeal to have your IRMAA reduced
Final Takeaway
Medicare IRMAA can come as an unwelcome surprise, but knowing what it is, how it’s calculated, and what you can do about it can help you stay in control of your healthcare costs.
Here’s what you should take away:
✔ IRMAA applies to higher-income Medicare beneficiaries—If your 2023 income was above $106,000 (individual) or $212,000 (joint filers), you’ll pay more for Medicare Part B and Part D in 2025.
✔ The higher your income, the more you pay—Part B premiums range from $185.00 to $628.90 per month, and Part D surcharges add $13.70 to $85.80 to your monthly costs.
✔ IRMAA is reassessed yearly—If your income has dropped due to retirement, job loss, or other life changes, you may be able to request an adjustment.
✔ There are ways to lower your Medicare costs—Strategic financial planning, tax-efficient withdrawals, and proper Medicare enrollment can help you stay below IRMAA thresholds in the future.
The good news? You don’t have to figure this out alone. At Jason Rubin Insurance Services, we specialize in helping seniors understand their Medicare costs, manage IRMAA, and explore options to reduce their premiums.
Do you have questions about IRMAA or need help requesting an adjustment? Call us at (877) 777-7892, or text us at (818) 600-7104. We’re happy to guide you through your options so you can maximize your Medicare benefits while minimizing unnecessary costs.
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