Index/Topics/2025 IRMAA Surcharge

2025 IRMAA Surcharge

The IRMAA surcharge for Medicare Parts B and D in 2025 is applied when a beneficiary’s modified adjusted gross income (MAGI) from 2023 exceeds statutory thresholds set by the Social Security Administration and reflected in CMS guidance.

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Jan 29, 2026
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Are Social Security benefits included in ACA MAGI calculations?

Yes — for ACA Marketplace subsidy and Medicaid/CHIP eligibility, starts with adjusted gross income (AGI) and then adds certain items including Social Security benefits; official Marketplace guidance i...

Jan 26, 2026
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How do Social Security benefits affect MAGI for Medicare Part B and D premiums in 2025?

can raise the MAGI that uses to decide whether a beneficiary pays income‑related surcharges (IRMAA) for Part B and Part D, but only the taxable portion of those benefits is counted and the government ...

Jan 16, 2026
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Which IRMAA brackets (and percentage surcharges) did the SSA publish for 2026 and how did they change from 2025?

The Social Security Administration (via CMS/SSA notices reported across Medicare coverage guidance) set five IRMAA income brackets for 2026 with the first threshold at $109,000 (single) / $218,000 (ma...

Jan 19, 2026

What qualifies as a ‘life‑changing event’ for an SSA‑44 IRMAA appeal and what documentation is required?

A “life‑changing event” for purposes of an SSA‑44 IRMAA appeal is a specific, documented change in circumstances that reduces a beneficiary’s modified adjusted gross income (MAGI) compared with the ta...

Jan 14, 2026

Do tax-free retirement account withdrawals affect IRMAA for Medicare Part B/D premiums?

Yes — withdrawals that are truly tax-free generally do not raise the MAGI figure the Social Security Administration (SSA) uses to calculate IRMAA, while taxable distributions from traditional retireme...

Feb 3, 2026

What documentation does SSA accept to prove each specific life‑changing event on Form SSA‑44?

requires original documents or certified copies to prove a qualifying and any related income change; lists the required evidence on the form itself and in its procedural guidance but also instructs cl...

Jan 16, 2026

How do IRMAA thresholds change year to year and where can retirees find official future values?

IRMAA thresholds are adjusted annually for inflation for most brackets, using a CPI‑U comparison calculated each fall, and beneficiaries are assigned surcharges based on their MAGI from two years prio...

Jan 10, 2026

What income thresholds trigger each IRMAA bracket for 2025 Medicare Part B and Part D?

The IRMAA surcharge for Medicare Parts B and D in 2025 is applied when a beneficiary’s modified adjusted gross income (MAGI) from 2023 exceeds statutory thresholds set by the Social Security Administr...