Am I responsible for an IRMAA surcharge?

Question

Ben Washington · Accepted Answer

Am I responsible for an IRMAA surcharge? depend on your income: If you have Medicare Part B and/or Medicare Part D prescription drug coverage, you could owe a monthly surcharge based on an income-related monthly adjustment amount

Answered by Ben Washington on August 12, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Answered by Ben Washington Medicare Insurance Agent

Mitchell Jerome · Answer

Yes. The IRMMA surcharge began in 2007 and focuses on higher income  enrollees. They go back the past two years of income. 
Once One retires that income can decrease since the two year window will continually be changing.

Steve Houchens · Answer

ITMAA charges are based on your income levels. The basic is generally $185 for the upcoming year. This can be lower or you can receive help paying this if your income is very low or can actually be higher if your income exceeds certain levels. An agent can get you the most current levels so you know what to expect.

Answered by Steve Houchens on August 10, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Leslie Kaz · Answer

You may be, depending on your income.
IRMAA stands for Income-Related Monthly Adjustment Amount—it’s an extra charge added to your Medicare Part B and/or Part D premiums if your income from two years ago was above a certain level.

The Social Security Administration (SSA) uses your IRS tax return from two years prior to decide if you owe IRMAA.

If your income is above the threshold, they’ll send you a letter explaining the extra amount and how it was calculated.

If your income has gone down because of a life change—like retirement, marriage, or divorce—you can appeal to have the surcharge reduced or removed.

Ron Cronwell · Answer

yes. As long as the qualifying condition of income continues the IRMAA surcharge will continue to be added to your monthly premium.

Shelly Hefley · Answer

2025 Medicare beneficiaries with higher incomes will pay surcharges, known as IRMAA (Income-Related Monthly Adjustment Amount), on top of their standard Part B and Part D premiums. These surcharges are based on modified adjusted gross income (MAGI) from 2023. For 2025, individuals with incomes above $106,000 and couples filing jointly with incomes above $212,000 will be subject to IRMAA. Basically, these surcharge amounts vary based on income brackets, with higher incomes incurring larger surcharges. So if your income falls in these categories, you may get to pay a surcharge.

Answered by Shelly Hefley on August 13, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent

Tracy Davis · Answer

If you are a high earner (2 years prior) then you might be responsible for IRMAA charges. However, if you were at a high paying job and are retiring you can file a life event change form and get the IRMAA charges reduced or eliminated. Some people have investments are higher paying social security, so they will continue to pay IRMAA into retirement. If this is the case then you will have an additional charge on your Part B premium along with your Part D premium for the years you are within the higher tax brackets based on the IRMAA charts.

Answered by Tracy Davis on August 11, 2025

Broker Licensed in IN, CO, FL & KY, NM, OH & TN

Answered by Tracy Davis Medicare Insurance Agent

Stephanie Snakovsky · Answer

This depends on your respective circumstances.  If you have retired and no longer have the reported income from two years ago as a result of employment changes, this can be appealed.
There is form SSA-44 to complete.  However, if there was income generated from the sale of a home or an inheritance - then the IRMAA surcharge is applicable.

Jack Mayer · Answer

You will be responsible for the Part D and Part B premiums based on your annual income or combined income if you file jointly.  Over a certain amount you pay more.

Patricia Graham · Answer

That is based on your income level.  You are responsible. You may also ask for an income review if you do not think it is right.

Am I responsible for an IRMAA surcharge?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Agent Locator

Medicare Agents Hub
A non-government resource website

Am I responsible for an IRMAA surcharge?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website