IRMAA Surcharge Estimator
IRMAA Surcharge Estimator
Estimate your Income-Related Monthly Adjustment Amount on Parts B and D based on your MAGI (from 2 years ago).
Part B surcharge (monthly)
$69.9
Part D surcharge (monthly)
$12.9
Total annual IRMAA
$993.6
2024 thresholds shown. IRMAA is based on MAGI from your tax return 2 years prior. Appeal with Form SSA-44 for qualifying life-changing events.
Frequently Asked Questions
What is IRMAA?+
The Income-Related Monthly Adjustment Amount — surcharges on Medicare Parts B and D premiums for higher-income beneficiaries.
Which year's income does Medicare use?+
The tax return filed 2 years prior (e.g., 2026 IRMAA uses 2024 MAGI).
Can I appeal IRMAA?+
Yes, for life-changing events like retirement, divorce, or loss of a spouse — file Form SSA-44.
Is IRMAA permanent?+
IRMAA is recalculated annually based on most recent tax return — it can go up or down each year.