IRMAA 2025

2025 IRMAA Charges
Individual Married IRMAA Charges Part B Premium Part D Premium
$106k or less $212k or less $0 Part B - $185   Mo Part D - $0
$133k or less $266k or less $74 Mo Part B - $259   Mo Part D - $13.70 Mo
$167k or less $334k or less $185 Mo Part B - $370   Mo Part D - $35.30 Mo
$200k or less $400k or less $295.90 Mo Part B - $480.90 Mo Part D - $57   Mo
$499k or less $749k or less $406.90 Mo Part B - $591.90 Mo Part D - $78.60 Mo
$500k or More $750k or more $443.90 Mo Part B - $628.90 Mo Part D - $85.80 Mo

Part B Deductible: $257 Annual

Step 1

Enroll in Original Medicare

Original Medicare
Provided by the federal government

Part A

Helps pay for hospital stays and inpatient care

Part B

Helps pay for provider visits and outpatient care

Step 2

After you enroll in Original Medicare, there are two ways to get additional coverage

Option 1
Add one or both of the following to Original Medicare:

Medicare Supplement Insurance
Offered by private companies

Helps pay some or all thecosts not covered by Original Medicare

Medicare Part D Plan
Offered by Medicare-approved private companies

Helps pay for prescription drugs

or

Option 2
Choose a Medicare Advantage plan:

Medicare Advantage Plan
Offered by Medicare-approved private companies

Part C

Combines Part A (hospital insurance) and Part B (medical insurance) in one plan

Part D

Often include prescription drug coverage

May offer additional benefits not provided by Original Medicare