| IRMAA Tier | Individual MAGI | Married Filing Jointly | Monthly Part B | Monthly Part D |
|---|---|---|---|---|
| Standard Premium | Up to $109,000 | Up to $218,000 | $202.90 | $0 |
| Level 1 | $109,001–$137,000 | $218,001–$274,000 | $284.20 | $13.70 |
| Level 2 | $137,001–$171,000 | $274,001–$342,000 | $365.50 | $35.30 |
| Level 3 | $171,001–$205,000 | $342,001–$410,000 | $446.80 | $57.00 |
| Level 4 | $205,001–$500,000 | $410,001–$750,000 | $528.10 | $78.60 |
| Highest Tier | Over $500,000 | Over $750,000 | $609.40 | $85.80 |
Understanding IRMAA
IRMAA (Income-Related Monthly Adjustment Amount) is an additional premium paid by higher-income Medicare beneficiaries.
Medicare reviews your federal income tax return from two years earlier. For 2026 Medicare premiums, Social Security generally uses your 2024 Modified Adjusted Gross Income (MAGI) to determine whether an adjustment applies.
IRMAA can increase the cost of:
- Medicare Part B
- Medicare Part D (including Medicare Advantage plans with prescription drug coverage)
Life Changes May Lower Your IRMAA
If your income has decreased because of one of these qualifying events, you may be able to request a lower premium:
✓ Retirement
✓ Marriage or divorce
✓ Death of a spouse
✓ Loss of pension income
✓ Loss of income-producing property
✓ Employer settlement changes
The request is made by filing Form SSA-44 with Social Security.
Need Help Understanding Your Medicare Costs?
SeniorSource Medicare Solutions, 44 Milton Ave, Suite 109, Alpharetta, GA
Helping Medicare beneficiaries throughout Georgia understand Medicare Supplements, Medicare Advantage plans, Part D drug coverage, and Medicare costs—including IRMAA.
Schedule a complimentary Medicare review today at SeniorSourceMedicare.com or call us at (770) 913-6464