2025 IRMAA brackets
The 2025 IRMAA brackets applied when 2023 MAGI was above $106,000 for a single filer or above $212,000 for a married couple filing jointly; at or below those lines there was no surcharge. That year's standard Part B premium was $185.00 a month, the annual deductible $257. The five tiers added anywhere from $1,052.40 to $6,356.40 per person for the year once the Part B and Part D surcharges are put together. CMS published the figures on November 8, 2024. They expired with December 2025; the 2026 brackets are different numbers.
Before you read further, check that 2025 is the year you need. The 2025 brackets were set by 2023 income, and that window is closed: nothing you do with money today changes a 2025 premium. The 2024 and 2025 returns are already filed too; they set the 2026 IRMAA brackets and the 2027 determinations. The income you can still influence is 2026 income and later, which sets 2028 onward. If you came here to plan, the current-year page or the 2027 projections is where your numbers live.
| You want to know | Income year that set it | Where the numbers are |
|---|---|---|
| What Medicare charged during 2025 | 2023 tax return | This page |
| What Medicare is charging now, in 2026 | 2024 tax return | 2026 IRMAA brackets |
| What your 2025 income will trigger | 2025 tax return | Projected 2027 IRMAA brackets (final figures arrive fall 2026) |
What were the 2025 IRMAA brackets for Part B?
The 2025 schedule ran from the standard premium up through five surcharge levels. The table pairs each tier's monthly surcharge with the total premium that tier actually paid.
| MAGI, single filer | MAGI, married filing jointly | Monthly IRMAA surcharge | Total Part B premium |
|---|---|---|---|
| ≤ $106,000 | ≤ $212,000 | $0.00 | $185.00 |
| > $106,000 – ≤ $133,000 | > $212,000 – ≤ $266,000 | $74.00 | $259.00 |
| > $133,000 – ≤ $167,000 | > $266,000 – ≤ $334,000 | $185.00 | $370.00 |
| > $167,000 – ≤ $200,000 | > $334,000 – ≤ $400,000 | $295.90 | $480.90 |
| > $200,000 – < $500,000 | > $400,000 – < $750,000 | $406.90 | $591.90 |
| ≥ $500,000 | ≥ $750,000 | $443.90 | $628.90 |
Source: CMS, 2025 Medicare Parts A and B premiums and deductibles fact sheet (announced November 8, 2024).
2023 MAGI over $106,000 and up to $133,000 for a single filer, or over $212,000 and up to $266,000 for a joint return, meant a $259.00 Part B premium through 2025. Counting the $13.70 Part D charge, the full-year surcharge came to $1,052.40 per person.
Single filers whose 2023 MAGI was over $133,000 and up to $167,000 (over $266,000 and up to $334,000 filing jointly) were billed $370.00 each month for Part B. Part D contributed another $35.30, bringing the year's IRMAA to $2,643.60 per person.
The third tier, 2023 MAGI over $167,000 and up to $200,000 single (over $334,000 and up to $400,000 joint), carried a $480.90 monthly Part B premium; with the $57.00 Part D adjustment added, the year cost $4,234.80 per person in surcharges.
In the fourth tier, over $200,000 and under $500,000 single (over $400,000 and under $750,000 joint), the monthly Part B bill was $591.90, and the $78.60 Part D charge took the year's total surcharge to $5,826.00 per person.
The top tier caught 2023 MAGI of $500,000 or more for a single filer ($750,000 or more filing jointly). Part B at that level cost $628.90 a month, and with the $85.80 Part D adjustment the year's IRMAA reached $6,356.40 per person.
2025 produced an arithmetic curiosity: the tier 2 surcharge was $185.00, the same figure as the standard premium, so a tier 2 enrollee paid $370.00, exactly twice the standard amount. Enrollees in the reduced Part B benefit that covers only immunosuppressive drugs had a separate, smaller surcharge schedule; the amounts here assumed full Part B coverage.
What were the 2025 Part D IRMAA amounts?
| MAGI, single filer | MAGI, married filing jointly | Monthly Part D IRMAA |
|---|---|---|
| ≤ $106,000 | ≤ $212,000 | $0.00 |
| > $106,000 – ≤ $133,000 | > $212,000 – ≤ $266,000 | $13.70 |
| > $133,000 – ≤ $167,000 | > $266,000 – ≤ $334,000 | $35.30 |
| > $167,000 – ≤ $200,000 | > $334,000 – ≤ $400,000 | $57.00 |
| > $200,000 – < $500,000 | > $400,000 – < $750,000 | $78.60 |
| ≥ $500,000 | ≥ $750,000 | $85.80 |
Source: CMS, 2025 fact sheet (announced November 8, 2024).
The 2025 Part D adjustment ran from $13.70 to $85.80 per month, tier for tier on the income lines that set Part B. The money never went to the drug plan. Medicare collected it directly, whatever the plan's own premium was, and the charge applied just the same to drug coverage inside a Medicare Advantage plan.
What were the 2025 income limits for married couples filing jointly?
Joint thresholds doubled the single ones at every tier but the last. Surcharges began once joint 2023 MAGI passed $212,000, with the later tiers starting above $266,000, $334,000, and $400,000. The top tier started at $750,000, only 1.5 times the single figure.
Each spouse on Medicare owed the surcharge separately, even though a single joint MAGI figure placed them both. That made the first threshold a $2,104.80-per-year cliff for a two-Medicare household: 2023 MAGI that finished even one dollar past $212,000 brought the full first-tier charge twice over, all at once.
What if I was married filing separately in 2023?
| MAGI | Part B IRMAA | Total Part B premium | Part D IRMAA |
|---|---|---|---|
| ≤ $106,000 | $0.00 | $185.00 | $0.00 |
| > $106,000 – < $394,000 | $406.90 | $591.90 | $78.60 |
| ≥ $394,000 | $443.90 | $628.90 | $85.80 |
Source: CMS, 2025 fact sheet. If you lived apart from your spouse for all of 2023, SSA uses the single-filer table instead; see the married filing separately guide.
The filing status that counted was the one on the 2023 return, and the separate-filer schedule skipped the middle tiers. For someone who lived with their spouse at any point in 2023, MAGI over $106,000 but under $394,000 went straight to a $406.90 monthly Part B surcharge plus $78.60 for Part D, which came to $5,826.00 for the year. MAGI of $394,000 or more landed in the top tier: a $628.90 total monthly Part B premium plus an $85.80 Part D surcharge. Note the upper breakpoint: $394,000 in 2025, where the 2026 schedule uses $391,000.
Separate filers who lived apart from their spouse for all of 2023 were scored on the single-filer table instead. SSA's rules keep the lived-apart correction open from the determination notice until the premium year ends; whether that route remains open for a past premium year is a question for the IRMAA correction and appeal guide, which covers the evidence SSA accepts.
What income triggered IRMAA in 2025?
2023 MAGI above $106,000 single, or above $212,000 on a joint return. At or below those figures, the bill stayed at the standard $185.00. Sitting exactly on the line cost nothing: a single filer with 2023 MAGI of precisely $106,000 owed no surcharge, because tiers opened only above their thresholds. The single exception was the top tier, which began at $500,000 single and $750,000 joint and included those exact amounts.
For this purpose, MAGI was the 2023 return's adjusted gross income (Form 1040 line 11) with tax-exempt interest (line 2a) added back, and nothing else; the full walkthrough is in how to calculate MAGI for IRMAA. The phrase 2025 IRMAA tax brackets turns up constantly, but no tax was involved. The charge was a premium adjustment under 42 U.S.C. 1395r(i), billed alongside Medicare premiums rather than collected through a tax return.
These thresholds are one year stale. The 2026 lines sit at $109,000 single and $218,000 joint, and the standard premium rose from $185.00 in 2025 to $202.90 in 2026; the Part B premium history table shows the 2025 row in context. Automated answers still hand out the 2025 figures in reply to current-year questions, which is why every number on this page carries its year in the same sentence. A bracket table with no year label is a trap.
Which year's income set 2025 IRMAA, and can it still be corrected?
The 2023 tax return set it: Social Security read line 11 plus line 2a from the newest return the IRS had on file, normally the one from two years back. That determination is history for most people, but the 2025 rows keep working after the year ends, for three reasons.
First, determinations for 2025 did not all arrive in November 2024. An Initial IRMAA Determination notice can show up at any time when someone enrolls mid-year or the IRS updates its data, so a bill received in 2026 for months of 2025 coverage gets checked against this table, not the current one.
Second, the underlying income record can change. An amended 2023 return, an IRS correction, or the discovery that SSA priced 2025 off the older 2022 return are each grounds for asking SSA to redo the 2025 determination. Someone whose amended 2023 income crossed a line in either direction needs these rows to see whether their tier moved. The appeal guide covers what to send and where.
Third, the letter itself states a tier, never the arithmetic behind it. The formal reconsideration window is 60 days from receiving a notice, so it has closed for the November 2024 mailing, but a notice that arrived later carries its own 60 days, and a new initial determination (the Form SSA-44 route after a life-changing event, or the amended-return grounds above) is a separate track from a formal appeal. To verify what 2025 should have cost you, the IRMAA calculator accepts 2023 MAGI in its year selector, so your own return reproduces the determination.
When were the 2025 IRMAA brackets announced?
CMS published the 2025 figures on November 8, 2024 in its annual premiums fact sheet. The 2026 figures followed on November 14, 2025, which makes November the month to watch in recent practice, even though the governing regulation aims for September. Searches still ask when the 2025 brackets will be announced; that question answered itself back in November 2024, and the next announcement, for 2027, is due in fall 2026.
Where do these numbers come from?
Every figure on this page comes from the CMS fact sheet announcing 2025 Medicare Parts A and B premiums, published November 8, 2024. The 2025 amounts are final and will never change, so this page's maintenance is not about the dollars: what we keep current is the year-mapping guidance around them, updated whenever a new CMS announcement shifts which year is which.
For the brackets currently on your bill, see the 2026 IRMAA brackets.