IRMAA (the Income-Related Monthly Adjustment Amount) is an extra charge added to your Part B and Part D premiums if your income is above certain thresholds. Medicare looks at your modified adjusted gross income (MAGI) from 2 years earlier. This tool shows which tax year Medicare will use and helps you check your readiness — it does not use any stored income brackets, since those change every year.
This tool does not decide whether you owe IRMAA. Compare the MAGI figure below against the current IRMAA brackets published at Medicare.gov — those dollar thresholds change every year. If your income has dropped due to a life-changing event (like retirement), you can ask Social Security to reconsider using form SSA-44.
For educational estimates only. This tool gives a general estimate based on the numbers you enter. It is not a quote, an application, or a determination of benefits, eligibility, or price. Nothing is stored from what you type here — the estimate is calculated in your browser.
Figures that change every year — such as the standard Part B premium, the Part D national base beneficiary premium, and IRMAA income brackets — are entered by you so the math always reflects the current year. Always verify current amounts at Medicare.gov or 1‑800‑MEDICARE.
Maru Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
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Written and reviewed by Vadim Marusin, a licensed independent insurance agent. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.