2025 IRMAA Brackets: Married Jointly from $185.00 (Official)
Published CMS amounts, with the income and coverage rules beside them.
Official
Coverage year 2025 ordinarily uses the 2023 tax return. Amounts below are per enrolled person.
| MAGI from 2023 | Part B total / month | Part B surcharge | Part D surcharge |
|---|---|---|---|
| $212,000 or less | $185.00 | $0.00 | $0.00 |
| Over $212,000 to $266,000 | $259.00 | $74.00 | $13.70 |
| Over $266,000 to $334,000 | $370.00 | $185.00 | $35.30 |
| Over $334,000 to $400,000 | $480.90 | $295.90 | $57.00 |
| Over $400,000 to under $750,000 | $591.90 | $406.90 | $78.60 |
| $750,000 or more | $628.90 | $443.90 | $85.80 |
Part D surcharge is added to your plan premium. Married-separate tiers shown apply if you lived with your spouse during the tax year.
Calculate my surchargeQuestions, answered.
Are the 2025 Medicare amounts official?
Yes. CMS published the amounts; the sources below identify the announcement.
Which income counts for IRMAA?
Modified adjusted gross income is ordinarily adjusted gross income plus tax-exempt interest from two tax years earlier. Certain changes can justify a new determination from SSA.
Will a married couple pay one premium?
Medicare costs are generally per enrolled person. Joint filing uses the joint income thresholds, but each spouse can owe a premium and surcharge.
Does the Part D base amount equal my plan premium?
No. It is a national benchmark. Your chosen plan premium and any Part D income-related surcharge are separate.
Can retirement reduce an IRMAA assessment?
Work stoppage or reduction can be a qualifying life-changing event. Follow SSA-44 and SSA’s evidence rules; a lower entered calculator income does not itself change the assessment.
Check the sources.
Data checked October 1, 2026. Announced November 8, 2024.