The figures for the 2025 Income-Related Monthly Adjustment Amount (IRMAA) are officially set by the Centers for Medicare & Medicaid Services (CMS) and are based on your 2023 Modified Adjusted Gross Income (MAGI). The standard Part B premium for 2025 is $185.00 per month.
Here are the 2025 IRMAA brackets for an individual who files a single tax return, including the total monthly Medicare Part B premium they would pay in each tier:
| 2023 MAGI (Single Filer) |
Standard Premium + IRMAA Surcharge |
Total Monthly Part B
Premium |
| $106,000 or less |
$185.00 + $0.00 |
$185.00 |
| Above $106,000 up to $133,000 |
$185.00 + $74.00 |
$258.00 |
| Above $133,000 up to $167,000 |
$185.00 + $185.00 |
$370.00 |
| Above $167,000 up to $200,000 |
$185.00 + $295.90 |
$480.90 |
| Above $200,000 up to $500,000 |
$185.00 + $406.90 |
$591.90 |
| $500,000 or above |
$185.00 + $443.90 |
$628.90 |
- MAGI Calculation: Your MAGI is your Adjusted Gross Income (AGI) plus certain types of non-taxable income, most commonly tax-exempt interest (like from municipal bonds).
- Part D Surcharge: There is also a similar IRMAA surcharge applied to Medicare Part D (prescription drug) premiums, which is added to your specific plan premium. The surcharge tiers use the exact same MAGI brackets listed above.
For additional information see:
Please feel free to reach out with any additional questions or concerns you may have and
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