IRMAA Calculations By Filing Status

Here you'll find quick links to calculate Medicare Income-Related Monthly Adjustment Amount (IRMAA) surcharges by filing status for many modified adjusted gross incomes (MAGI). If your adjusted income is below the IRMAA sliding table mininum for the year and filing status, you pay no no surcharges. If above, surcharges are based on IRMAA income bracket. Click/tap over to our IRMAA calculator to enter your exact MAGI.

Note: Adjusted income and filing status pertain to tax return 2 years prior to the IRMAA year. So when calculating for 2025, it pertains to your 2023 tax return.

IRMAA Calculation Modified Adjusted Income Under $100,000

• Will I pay IRMAA in 2025 if file Single, MAGI Less Than $100,000?
• Will I pay IRMAA in 2025 if Married File Jointly, MAGI Less Than $100,000?
• Will I pay IRMAA in 2025 if Married File Separately, MAGI Less Than $100,000?

IRMAA Calculation Modified Adjusted Gross Income $100,000 to $150,000

• Will I pay IRMAA in 2025 if file Single, adjusted income $110,000?
• Will I pay IRMAA in 2025 if Married File Jointly, adjusted Income $110,000?
• Will I pay IRMAA in 2025 if Married File Separately, adjusted Income $110,000?
• Will I pay IRMAA in 2025 if file Single, adjusted Income $150,000?
• Will I pay IRMAA in 2025 if Married File Jointly, adjusted Income $150,000?
• Will I pay IRMAA in 2025 if Married File Separately, adjusted Income $150,000?

IRMAA Calculation Modified Adjusted Gross Income $160,000 to $240,000

• Will I pay IRMAA in 2025 if file Single, income $170,000?
• Will I pay IRMAA in 2025 if Married File Jointly, income $170,000?
• Will I pay IRMAA in 2025 if Married File Separately, income $170,000?
• Does IRMAA apply to me in 2025 if file Single, MAGI $190,000?
• Does IRMAA apply to me in 2025 if file Married Jointly, MAGI $190,000?
• Does IRMAA apply to me in 2025 if file Married Separately, MAGI $190,000?
• Does IRMAA apply to me in 2025 if file Single, MAGI $240,000?
• Does IRMAA apply to me in 2025 if file Married Jointly, MAGI $240,000?
• Does IRMAA apply to me in 2025 if file Married Separately, MAGI $240,000?

IRMAA Calculation Modified Adjusted Gross Income $250,000 to $350,000

• How much IRMAA Part B and D surcharges will I pay in 2025: file Single, adjusted income $250,000?
• How much IRMAA Part B and D surcharges will I pay in 2025: Married File Jointly, income $250,000?
• How much IRMAA Part B and D surcharges will I pay in 2025: Married File Separately, income $250,000?
• How much IRMAA Part B and D surcharges will I pay in 2025: file Single, adjusted income $350,000?
• How much IRMAA Part B and D surcharges will I pay in 2025: Married File Jointly, income $350,000?
• How much IRMAA Part B and D surcharges will I pay in 2025: Married File Separately, income $350,000?

IRMAA Calculation Modified Adjusted Gross Income Over $400,000

• How much IRMAA surcharges would I pay in 2025: if I filed Single, income $450,000?
• How much IRMAA surcharges would I pay in 2025: if we filed Married Jointly, income $450,000?
• How much IRMAA surcharges would I pay in 2025: if I filed Married Separately, income $450,000?
• What is IRMAA Part B and D surcharges in 2025: if filed Single, income $760,000?
• What is IRMAA Part B and D surcharges in 2025: if Married Filing Jointly, income $760,000?
• What is IRMAA Part B and D surcharges in 2025: if Married Filing Single, income $760,000?