Calculate Your 2025 IRMAA

IRMAA stands for Income-Related Monthly Adjustment Amount. It's an additional premium that higher-income Medicare beneficiaries pay on top of their standard Part B and Part D premiums. Think of it as a "Medicare tax" based on your income from two years ago.

Medicare uses your tax return from 2 years prior because that's the most recent "complete" tax year they have access to. For 2025 IRMAA calculations, they use your 2023 tax return. This can be frustrating if your income has dropped significantly due to retirement, but there are appeal options available.

Yes! You can appeal IRMAA if you've experienced a "life-changing event" such as retirement, marriage, divorce, death of spouse, work reduction, loss of pension, or employer settlement payments. The appeal is filed using Form SSA-44, and we can help you through this process.

Qualifying life-changing events include: marriage, divorce, death of spouse, work stoppage/reduction, loss of income-producing property, loss of pension income, and employer settlement payments. These events must have resulted in a significant reduction of your modified adjusted gross income.

IRMAA adjustments typically begin when you first enroll in Medicare Part B or Part D, or when your income crosses the threshold based on your tax returns. You'll receive a notice from Social Security explaining your IRMAA amount and when it starts. The good news is that successful appeals can be retroactive.