What are Medicare Part D-IRMAA and Part B-IRMAA?

Last Updated : 01/25/20202 min read

IRMAA stands for the Income-Related Monthly Adjustment Amounts. IRMAA can apply to Medicare Part B (medical insurance) and Medicare Part D (prescription drug coverage).

The IRMAA amounts may apply if your income is higher than a certain level. The government looks at your income as reported on your taxes two years ago.

Find affordable Medicare plans in your area

How much are the IRMAA amounts for Part D and Part B?

This table lays out how much the IRMAA adjustments are for Medicare Part D and Part B as of 2020. It’s based on your 2018 income taxes. The government looks at your modified adjusted gross income from two years before the current year.

Modified adjusted gross income/ tax filing category    
Individual Married, filing jointly Married, filing separately Your monthly Medicare Part B premium may be The amount added to your monthly Medicare Part D premium may be
$87,000 or less $174,000 or less $87,000 or less $144.60 $0
$87,001 – $109,000 $174,001 – $218,000 N/A $202.40 $12.20
$109,001 -$136,000 $218,001 – $272,000 N/A $289.20 $31.50
$136,001 – $163,000 $272,001 – $326,000 N/A $376.00 $50.70
$163,001 to less than $500,000 $326,001 to less than $750,000 $87,001 to less than $413,000 $462.70 $70.00
$500,000 or above $750,000 and above $413,000 and above $491.60 $76.40


Find affordable Medicare plans in your area

Find Medicare plans in your area

How will I know if I have to pay an IRMAA adjustment for Part D and Part B?

If you’re required to pay an IRMAA amount, you’ll get a notice from Social Security. The notice is called an “initial IRMAA determination.”

Generally, you don’t have to do anything, although it would be a good idea to review the notice to make sure it’s correct and keep it for your records. For most people, the Medicare Part B IRMAA amount is added to your premium and automatically deducted from their Social Security benefits. The Medicare Part D IRMAA, if it applies to you, will be added to your Part D premium.

If your income level drops, you can file an appeal with Social Security. The instructions for filing an appeal are on your IRMAA determination letter.

Interested in comparing your Medicare coverage options right away? Simply type your zip code into the box on this page.

Find affordable Medicare plans in your area

See all About Medicare articles >

Find and compare Medicare plans and save up to $531/year*

Compare Plans Now

Have a question? Talk to a licensed insurance agent.

  • 1-844-847-2659 TTY Users 711
  • Mon - Fri, 8am - 8pm ET