What are the IRMAA amounts for Part B in 2025?
Higher-income beneficiaries must pay more for Medicare Part B, medical insurance. This is known as the Income-related Monthly Adjustment Amounts or IRMAA, for short. The adjustments are based on a modified adjusted gross income (MAGI) determined by tax-exempt interest and the modified adjusted gross income usually from the tax statement two years prior to the current year. This IRMAA adjustment is added to the 2025 standard Part B premium of $185.
In 2025, a single filer or a married individual filing a separate return will be subject when the MAGI is $106,000 and, for those filing a joint return, the threshold is $212,000. (Social Security uses the adjusted gross income plus tax-exempt interest income from 2023 to identify those subject to IRMAA in 2025.)
Beneficiaries who file a joint tax return* with an MAGI of:
- Less than or equal to $212,000 will not pay Part B IRMAA.
- Greater than $212,000 but less than or equal to $266,000 will pay an adjustment of $74.
- Greater than $266,000 but less than or equal to $334,000 will pay an adjustment of $185.
- Greater than $334,000 but less than or equal to $400,000 will pay an adjustment of $295.90.
- Greater than $400,000 but less than $750,000 will pay an adjustment of $406.90.
- Greater than or equal to $750,000 will pay an adjustment of $443.90.
Beneficiaries who file an individual tax return with an MAGI of:
- Less than or equal to $106,000 will not pay IRMAA.
- Greater than $106,000 but less than or equal to $133,000.
- Greater than $133,000 but less than or equal to $167,000 will pay an adjustment of $185.
- Greater than $167,000 but less than or equal to $200,000 will pay an adjustment of $295.90.
- Greater than $200,000 but less than $500,000 will pay an adjustment of $406.90.
- Equal to or greater than $500,000 will pay an adjustment of $443.90.
Beneficiaries who are married and lived with their spouses at any time during the year but file a separate tax return with an MAGI of:
- Less than or equal to $106,000 will not pay IRMAA.
- Greater than $106,000 but less than $394,000 will pay an adjustment of $406.90.
- Equal to or greater than $394,000 will pay an adjustment of $443.90.
Find information about 2025 Part D IRMAA here.
*Important: If both the husband and wife are on Medicare, each will pay the adjustment.
Last updated: 12-09-2024