Medicare Part B IRMAA Calculator
Calculate Income-Related Monthly Adjustment Amount (IRMAA) surcharges.
IRMAA Tier Brackets (2024)
Tier 1
Income above: $103,000
+$69.90 Part B + $12.90 Part D
Tier 2
Income above: $129,000
+$174.20 Part B + $32.10 Part D
Tier 3
Income above: $161,000
+$278.50 Part B + $51.30 Part D
Tier 4
Income above: $193,000
+$382.80 Part B + $70.50 Part D
Tier 5
Income above: $215,000
+$487.10 Part B + $89.70 Part D
IRMAA based on MAGI from 2 years prior (2022 income affects 2024 IRMAA).
Your IRMAA Status
MAGI:$ 100000
Filing Status:single
IRMAA Tier:Standard (No IRMAA)
Part B Premium Breakdown
Base Premium:$ 174.70/mo
IRMAA Surcharge:$ 0.00/mo
Total Part B:$ 174.70/mo
Part D Premium Breakdown
Base Premium:$ 34.50/mo avg
IRMAA Surcharge:$ 0.00/mo
Total Part D:$ 34.50/mo
Part D base premium varies by plan. IRMAA applies to all Part D plans.
Annual Cost Summary
Monthly IRMAA Surcharge:$ 0.00
Monthly Total:$ 209.20
Annual Total:$ 2510
IRMAA Key Points
- IRMAA applies to Part B and Part D premiums
- Based on MAGI from 2 tax years prior (lag effect)
- Can appeal if life-changing event occurred
- Income brackets: single starts at $103K, married at $206K
- Surcharges range from $69.90 to $487.10/month for Part B
- Strategic income planning can reduce IRMAA