Medicare premiums specially for part B are income related monthly adjustment amounts (IRMMA). What does this mean – that even though there is a standard monthly premium still some individuals will have to pay more based on their modified gross income (MAGI) from 2023 which was two years prior to this , that means IRMMA is based on your tax returns from 2023.
What is medicare part B premium and IRMAA in 2025
Medicare part B basically covers necessary medical and preventive services.where most of the people are paying monthly premium for medicare part B , a significant number of individuals have to pay more due to IRMAA this surcharge in premium pay was determined by your reported income to IRS two years prior to the current medicare year (2025). This signifies that for the year 2025 premium your tax returns from 2023 will be used to calculate IRMAA.
For most of the beneficiaries of medicare , the standard monthly part B premium in 2025 will be around $185.00. This amount is an increase of $10.30 from the premium of 2024 which was $174.70.
The annual deductible for 2025 for part B
Before your medicare coverage starts paying its benefits , You will need to meet an annual deductible of around $257 which is an increase of $17 from 2024 which was $240 so you can interpret that there is a huge $17 increase in the deductibles this year onwards . Once you have paid your deductible , you typically will pay 20% of the medicare approved amount for most services.
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What is IRMAA and what is its purpose
IRMAA is a surcharge which is added to your standard part B premium as well part D premium.you will have to pay this surcharge only If your MAGI ( modified adjusted gross income ) exceeds a certain threshold.
Who determines who will pay this surcharge is named IRMAA – it’s the SSA (social security administration).
What is MAGI- it’s your adjusted gross income with any tax exempt interest income.
What is the goal of IRRMA – to ensure that people with high income contribute more to the medicare program making this program more sustainable.
The following table will explain the details about 2025 medicare part B premium , including the IRMAA based on your 2023 MAGI and tax filing status.
For Individuals Medicare Premium
| 2023 Modified Adjusted Gross Income (MAGI) | Part B Monthly Adjustment Amount (IRMAA) | Total Monthly Part B Premium (2025) |
| Less than or equal to $106,000 | $0.00 | $185.00 |
| Greater than $106,000 and \leq $133,000 | $74.00 | $259.00 |
| Greater than $133,000 and \leq $167,000 | $185.00 | $370.00 |
| Greater than $167,000 and \leq $200,000 | $295.90 | $480.90 |
| Greater than $200,000 and < $500,000 | $406.90 | $591.90 |
| $500,000 and above | $443.90 | $628.90 |
For Married Individuals Filing Jointly
| 2023 Modified Adjusted Gross Income (MAGI) | Part B Monthly Adjustment Amount (IRMAA) | Total Monthly Part B Premium (2025) |
| Less than or equal to $212,000 | $0.00 | $185.00 |
| Greater than $212,000 and \leq $266,000 | $74.00 | $259.00 |
| Greater than $266,000 and \leq $334,000 | $185.00 | $370.00 |
| Greater than $334,000 and \leq $400,000 | $295.90 | $480.90 |
| Greater than $400,000 and < $750,000 | $406.90 | $591.90 |
| $750,000 and above | $443.90 | $628.90 |
For Married Individuals Filing Separately (and lived with their spouse at any time during the year)
| 2023 Modified Adjusted Gross Income (MAGI) | Part B Monthly Adjustment Amount (IRMAA) | Total Monthly Part B Premium (2025) |
| Less than or equal to $106,000 | $0.00 | $185.00 |
| Greater than $106,000 and < $394,000 | $406.90 | $591.90 |
| $394,000 and above | $443.90 | $628.90 |
How IRMAA is determined
The social security administration (SSA) typically collects your information directly from the IRS. They usually fetch your federal tax return from two years prior for the current medicare year which is your 2025 medicare part B premium, the SSA will look at your tax returns from 2023.
So if you’re new to medicare or if your income has recently increased , you’ll receive a notice from SSA informing you about your IRMAA.
If your income has decreased due to any significant life changing event you have complete right to request a new determination from SSA.
Qualifying life changing events which are included under this are-
- Marriage
- Divorce
- Death of spouse
- Drop out from work
- Reduction in work
- Loss of income.
All We Know
Understanding how medicare premium and IRMAA are determined for important for several reasons like- Financial planning, Tax planning & Avoiding surprised deduction of supercharge amount. Medicare costs, part B premiums and IRMAA, are adjusted annually. Staying informed and alert about these changes is important for all the medicare beneficiaries, especially for those seeking a spike in income. Be aware of any notice issued to you from SSA regarding medicare premium and check if you are paying the right amount.
Meredith is a seasoned health and policy writer with a background in public health and journalism. She holds a Master’s degree in Public Health (MPH) and has over 8 years of experience covering substance use, legislation, and social impact. Her work is driven by a passion for informed reporting and public awareness. Meredith contributes regularly to StreetDrugs.org, focusing on drug trends, global news, and Finance.