IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to Medicare Part B and Part D premiums for higher-income beneficiaries. In 2026, IRMAA applies to individuals with income above $106,000 and couples with income above $212,000. IRMAA is based on your income from 2 years ago.
Key Points
- IRMAA: surcharge on Part B and Part D premiums for higher-income beneficiaries
- 2026 IRMAA threshold: $106,000 individual, $212,000 couple
- Based on income from 2 years ago (2024 income for 2026 IRMAA)
- IRMAA surcharges range from $74.00 to $443.90/month for Part B
- An independent agent can help you understand IRMAA and how to appeal