What is Medicare Income-Related Monthly Adjustment Amount (IRMAA)

Medicare (Part B and Part D) costs may increase based on your income. Learn more about the Income-Related Monthly Adjustment Amount (also known as IRMAA) and how it affects you.
What is Medicare Income-Related Monthly Adjustment Amount (IRMAA)

Medicare Part B and Part D premiums are increased for beneficiaries with incomes above a specific level. The income-related monthly adjustment amount, or IRMAA, is the name given to this extra fee.Individual Medicare beneficiaries who make more than $91,000 and married couples who make more than $182,000 in 2022 must pay IRMAA surcharges.2020 Part B IRMAA| Individual tax return (2020 income) | Individual tax return (2020 income) | Income-related monthly adjustment amount | Monthly Medicare Part B premium || --- | --- | --- | --- || $91,000 or less. | Less than or equal to $182,000 | $0.00 | $170.10 || Greater than $91,000 and less than or equal to $114,000 | Less than or equal to $182,000 | $68.00 | $238.10 || Greater than $114,000 and less than or equal to $142,000 | Greater than $228,000 and less than or equal to $284,000 | $170.00 | $340.20 || Greater than $142,000 and less than or equal to $170,000 | Greater than $228,000 and less than or equal to $284,000 | $272.20 | $442.30 || Greater than $170,000 and less than $500,000 | Greater than $228,000 and less than or equal to $284,000 | $374.20 | $544.30 || Greater than or equal to $500,000 | Greater than or equal to $750,000 | $408.20 | $578.30 | The following premiums apply to high-income beneficiaries who are married and lived with their spouse at some point in the tax year but file a separate return:| Married & separate tax return (2020 income) | Income-related monthly adjustment amount | Monthly Medicare Part B premium || --- | --- | --- || Less than or equal to $91,000 | $0.00 | $170.10 || Greater than $91,000 and less than $409,000 | $374.20 | $544.30 || Greater than or equal to $409,000 | $408.20 | $578.30 | Based on your income as shown on your IRS tax return, the chart below estimates your monthly prescription drug plan premium. You will pay an income-related monthly adjustment amount in addition to your plan premium if your income is higher than a particular threshold.| Individual tax return (2020 income) | Individual tax return (2020 income) | Filed married & separate return | Monthly Medicare Part D premium || --- | --- | --- | --- || $91,000 or less. | Less than or equal to $182,000 | $91,000 or less | Your plan premium || Greater than $91,000 and less than or equal to $114,000 | Less than or equal to $182,000 | Not applicaable | $12.40 + your plan premium || Greater than $114,000 and less than or equal to $142,000 | Greater than $228,000 and less than or equal to $284,000 | Not applicaable | $32.10 + your plan premium || Greater than $142,000 and less than or equal to $170,000 | Greater than $228,000 and less than or equal to $284,000 | Not applicaable | $51.70 + your plan premium || Greater than $170,000 and less than $500,000 | Greater than $228,000 and less than or equal to $284,000 | Above $91,000 and less than $409,000 | $71.30 + your plan premium || Greater than or equal to $500,000 | Greater than or equal to $750,000 | $409,000 and above | $77.90 + your plan premium | ## How to appeal an IRMAAYou can appeal an IRMAA notification if you don't agree with it for a number of reasons. If you believe the income data Social Security used to determine your IRMAA was inaccurate or out-of-date, or if you have suffered a life-altering event that resulted in a reduction in your income, you may ask the agency to reconsider its decision.Any of the following circumstances are regarded by Social Security as *life-changing events*:* The death of a spouse* Marriage* Divorce or annulment* You or your spouse stopping work or reducing the number of hours you work* Involuntary loss of income-producing property due to a natural disaster, disease, fraud, or other circumstances* Loss of pension* Receipt of settlement payment from a current or former employer due to the employer’s closure or bankruptcy* Receiving settlement money from a present or former employer as a result of the employer's bankruptcy or closureMedicare IRMAA Life-Changing Event forms must be submitted or an appointment must be made with Social Security in order to get a new initial determination. You must present proof of your actual income or the life-altering event that resulted in a decrease in your income.## Appealing an IRMAA decisionYou have the option to appeal Social Security's IRMAA decision if they did not approve your request for an adjustment. If your life-changing event is not accepted you can request a further review with the Office of Medicare Hearings and Appeals (OHHA) Administrative Law Judge. If still not approved there are further steps you can take to appeal the OMHA decision. Get with your local agent to go over your legal rights.---## What is the Medicare Extra Help ProgramYou might be eligible for assistance to cover some of the costs of your health care and prescription coverage if you have a low income and few resources.The Extra Help program aids those with low income and resources in covering the cost of their Medicare prescriptions. If your annual income and resources fall within the following ranges in 2023, you might be eligible for Extra Help:**Continue Reading:** [What is the Medicare Extra Help Program](/medicare/basics/medicare-extra-help-program)