Find out if IRMAA adds to your Medicare bill.
Enter your income and filing status to estimate your 2024 Medicare Part B and Part D premiums. IRMAA is the income-related surcharge that stacks on top of the standard premium once your income crosses a threshold.
Your income
Estimate for 2024 Medicare premiums. IRMAA uses your MAGI from 2 years earlier, so 2024 premiums are set by your 2022 tax return. MAGI is your adjusted gross income plus any tax-exempt interest.
What your numbers mean
Total monthly premium across the income brackets
Part B plus Part D IRMAA by bracket
Premium scorecard
The full 2024 IRMAA bracket schedule
IRMAA is a cliff: one dollar over a threshold moves you into the next bracket and the whole surcharge jumps. Your bracket is highlighted.
| MAGI (single) | Total Part B | Part B IRMAA | Part D IRMAA | Total /mo |
|---|
Medicare IRMAA, explained
What Is IRMAA
Income-Related Monthly Adjustment Amount. Higher-income Medicare beneficiaries pay extra premium on Part B (medical) and Part D (drugs). Based on income from 2 years prior.
The 2-Year Lookback
2025 IRMAA based on 2023 income. Big retirement-year income (Roth conversion, capital gains, business sale) creates 2-year-later IRMAA spike. Plan ahead.
Avoiding IRMAA
Roth conversions before age 63 (no IRMAA impact until age 65+2). Long-term capital gains harvesting before Medicare. Charitable giving via QCDs from IRA reduces RMDs and thus MAGI.
Appealing IRMAA
If income drops due to life-changing event (retirement, divorce, spouse death), file SSA-44 to appeal IRMAA. Common appeals win for retirement year transitions.
Common questions
How much can IRMAA add to my Medicare costs?
Up to $443.90 extra Part B and $85.80 extra Part D per month, over $6,300 annual surcharge per person at the highest tier.
When do IRMAA brackets reset?
Annually, with cost-of-living adjustments. Most years brackets adjust slightly upward.
Does IRA distribution count?
Yes, Traditional IRA, 401(k) distributions count toward MAGI. Roth distributions don't (already taxed).
Can married couples reduce IRMAA by filing separately?
Sometimes. MFS uses different (lower) brackets but loses many other deductions. Calculate both ways.
How is IRMAA collected?
Deducted from Social Security check, or billed quarterly if no SS yet. Cannot be paid pre-tax.
Estimates for planning only. This tool applies the 2024 Medicare Part B standard premium and the 2024 IRMAA schedule based on 2022 MAGI. It assumes standalone Part B and Part D coverage, excludes Medicare Advantage arrangements, late-enrollment penalties, and Medicaid or state assistance. Brackets adjust each year. Confirm your premium with the Social Security Administration or Medicare before relying on these figures.