Medicare Part B IRMAA Income Reconsideration Calculator
Calculate potential IRMAA reduction through SSA-44 life-changing event appeal.
Current IRMAA Status
MAGI:$ 97000
Tax Year:2022
IRMAA Tier:Standard
Standard Premium:$ 174.70
Total Premium:$ 349.40
IRMAA based on MAGI from tax return 2 years prior (2024 uses 2022 return).
Reconsideration Eligibility
Qualifying Event:No
Event Type:None
Life-changing events can qualify for IRMAA reduction through SSA-44 appeal.
2024 IRMAA Tiers (Individual)
| Tier | MAGI Range | IRMAA |
|---|---|---|
| Standard | $ 0 - 103000 | $ 0.00 |
| Tier 1 | $ 103001 - 129000 | $ 69.90 |
| Tier 2 | $ 129001 - 161000 | $ 174.70 |
| Tier 3 | $ 161001 - 193000 | $ 279.50 |
| Tier 4 | $ 193001 - 500000 | $ 384.30 |
| Tier 5 | $ 500001 - No limit | $ 462.70 |
Standard Part B premium: $174.70 (2024). IRMAA added to standard premium.
SSA-44 Application Process
1. Complete SSA-44 form (Medicare Income-Related Premium Adjustment Request)
2. Provide evidence of life-changing event (marriage cert, divorce decree, death cert)
3. Provide income documentation (tax return, pay stubs, pension statement)
4. Submit to local Social Security office or call 1-800-772-1213
File SSA-44 as soon as possible after life-changing event.
IRMAA Reconsideration Key Points
- IRMAA based on tax return from 2 years prior
- Qualifying events: marriage, divorce, death, retirement
- SSA-44 form required for reconsideration
- Provide documentation for event and income
- Processing typically takes 4-6 weeks
- Can appeal if reconsideration denied
- File promptly after qualifying event
- IRMAA tiers reset annually based on new tax data
- Part D IRMAA follows same process
- Contact SSA at 1-800-772-1213