The answer
What is IRMAA?
IRMAA stands for Income-Related Monthly Adjustment Amount, an extra charge added to your Part B (medical) and Part D (drug) premiums if your income is above a set level.
Most people pay only the standard premiums, but higher earners pay the standard amount plus the IRMAA surcharge. The surcharge is based on your tax return from two years earlier, so your 2026 IRMAA is based on your 2024 income. The first income tier begins above $109,000 for a single filer and above $218,000 for a married couple filing jointly in 2026. If your income later drops or a life event changed it, you can ask Social Security to review your case. To understand how IRMAA might affect your premiums, reach out to a licensed Goodsurance advisor at 1-888-301-8091 (TTY 711), Mon to Fri 8 am to 5 pm PT.