Medicare Part B Premium Calculator 2025 — IRMAA Surcharge
Calculate your 2025 Medicare Part B and Part D monthly premiums including IRMAA income-related surcharges. Base premium: $185.00/month. Higher incomes pay up to $628.90/month for Part B alone.
Income Details (2023 MAGI for 2025 premiums)
2025 Medicare Premium — Tier 1 (Base)
Come utilizzare Medicare Part B Premium Calculator 2025 — IRMAA Surcharge
Enter your Modified Adjusted Gross Income (MAGI)
IRMAA is based on your MAGI from 2 years prior. For 2025 Medicare premiums, CMS uses your 2023 tax return. MAGI = AGI + tax-exempt interest + excluded foreign income.
Select your tax filing status
Filing status affects IRMAA thresholds. Married filing jointly has roughly double the single thresholds. Married filing separately has the same thresholds as single, which can result in higher surcharges.
Review your 2025 premium
The base Part B premium is $185.00/month. If your income exceeds the first threshold, IRMAA adds a monthly surcharge to both Part B and Part D. Part D surcharges apply on top of your plan premium.
Suggerimenti
- A significant Roth IRA conversion or large capital gain can push your MAGI into a higher IRMAA tier. Consider spreading conversions over multiple years.
- Review your MAGI 2 years before Medicare enrollment (age 63) to plan for potential IRMAA surcharges.
- Qualified Charitable Distributions (QCDs) from an IRA reduce your taxable income and do not count toward MAGI, potentially lowering your IRMAA tier.
- If you receive Social Security benefits, Medicare Part B premiums are deducted directly from your monthly payment.
Domande frequenti
What is IRMAA?
Income-Related Monthly Adjustment Amount (IRMAA) is a surcharge added to Medicare Part B and Part D premiums for higher-income beneficiaries. It is based on your MAGI from 2 years prior. In 2025, IRMAA applies if your 2023 MAGI exceeds $106,000 (single) or $212,000 (married filing jointly).
What is the 2025 Medicare Part B base premium?
The standard Part B premium for 2025 is $185.00/month ($2,220/year). Most Medicare beneficiaries pay this amount. Those with higher incomes pay $185 plus an IRMAA surcharge ranging from $74 to $443.90/month.
Can I appeal my IRMAA surcharge?
Yes. If your income has decreased significantly since the base year (retirement, divorce, death of spouse, loss of income-producing property), you can file Form SSA-44 to request a new determination based on current income.
Does IRMAA apply to Medicare Advantage (Part C)?
The Part B IRMAA surcharge applies to all Medicare beneficiaries, including those enrolled in Medicare Advantage. The Part D IRMAA applies to Part D drug coverage, whether standalone or included in a Medicare Advantage plan with drug coverage.