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The Income-Related Monthly Adjustment Amount (IRMAA) is an additional charge that high-income Medicare beneficiaries must pay on top of their Medicare Part B and Part D s. So how much is it for a married couple filing separately?
Determined by the Social Security istration (SSA), IRMAA is based on a person's Modified Adjusted Gross Income (MAGI) from two years prior.
This means that the 2025 IRMAA brackets are calculated using income data from 2023. For individuals whose 2023 tax return data is not available, 2022 income information may be used instead.
IRMAA applies to those enrolled in Medicare who exceed specific income thresholds. For 2025, the standard Medicare Part B is $185.00 per month.
However, due to IRMAA, beneficiaries with higher incomes could pay significantly more. For Medicare Part D, the average base has decreased slightly to $46.50, but high-income individuals will still face IRMAA-related increases.
- For a married couple filing separately, IRMAA surcharges begin for those earning more than $106,000 annually.
- If you have a 2023 income level of $106,000 or less, you will pay a monthly of $185.00 for Part B, and there is no surcharge on Part D.
- If you have a 2023 income level of $106,000 - $394,000, you will pay a monthly of $591.90 for Part B, and your Part D surcharge will be Plan + $78.60.
- If you have a 2023 income level of $394,000 or more, you will pay a monthly of $628.90 for Part B, and your Part D surcharge will be Plan + $85.80.
How to Determine and Reduce Your IRMAA Costs
To determine your IRMAA liability for 2025, locate your Adjusted Gross Income (AGI) from your 2023 tax return. Then, add any tax-exempt interest income, foreign-earned income, and certain other income sources.
The sum represents your Medicare-specific MAGI, which is used to determine your IRMAA bracket. Considering capital gains, Social Security benefits, and other income sources affect MAGI, managing taxable income can help reduce IRMAA costs.