Irmaa 2025 Income Brackets

Irmaa 2025 Income Brackets. Irmaa is calculated based on five income brackets, with higher brackets leading to significantly higher premiums. For example, a small increase in income of just $1 could push you into a higher bracket, resulting in a premium increase of over $1,000 per year.

The higher the beneficiary’s range of modified adjusted gross income (magi), the higher the irmaa. Here are charts showing income ranges and the associated irmaa surcharges for part b premiums and part d premiums.