IRMAA Estimator
IRMAA is an income-related surcharge added to your Part B and Part D premiums. Social Security uses your tax return from two years ago — so 2025 amounts are based on your 2023 return.
Estimated 2025 surcharge
+$74.00
Part B / month
+$13.70
Part D / month
+$87.70
Total / month
If your income has dropped since 2023 due to retirement, a spouse's death, or another life event, you can appeal with Social Security Form SSA-44.
Estimates use publicly available 2025 IRMAA brackets. Actual surcharges are set by Social Security. Verify at Medicare.gov.
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