IRMAA (Income-Related Monthly Adjustment Amount) is an additional premium that high-income Medicare beneficiaries pay for Part B and Part D. IRMAA is based on your income from 2 years ago. In 2026, IRMAA applies to individuals with income above $106,000 and couples above $212,000.
Key Points
- IRMAA applies to high-income Medicare beneficiaries
- Based on your income from 2 years ago
- 2026 IRMAA threshold: $106,000 individual, $212,000 couple
- IRMAA adds $74.00-$443.90/month to Part B premium (2026)
- You can appeal IRMAA if your income has decreased