What Is IRMAA?

IRMAA stands for Income-Related Monthly Adjustment Amount — an extra charge added to your Medicare costs if your income is above certain limits.
It applies to:

  • Part B (medical insurance)

  • Part D (prescription drug coverage)

Social Security uses your tax return from two years ago to decide.
Example: Your 2024 income determines your 2026 Medicare costs.

How Will I Know If I Have IRMAA?

If IRMAA applies to you— Social Security sends a separate letter explaining the amount and how it was calculated.

If you meet the Standard income limits— you wont get a letter and IRMAA does not apply.

Can I Do Anything About It?

Yes! If your income recently decreased due to a life event—such as retirement, marriage, divorce, or the loss of a spouse—you can ask Social Security to take another look. You can use Form SSA-44 and if approved, your IRMAA may be reduced.

Key Takeaways

  • Many people never pay IRMAA.

  • IRMAA automatically adjusts each year

  • You can appeal with Social Security if past income, does not reflect your current situation income.

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