2025 IRMAA Brackets: What You Need to Know About Medicare Premium Adjustments

The Income-Related Monthly Adjustment Amount (IRMAA) is a surcharge applied to Medicare Part B and Part D premiums based on your income. As we approach 2025, understanding how IRMAA works and its projected brackets is crucial for planning your healthcare expenses. This article provides an in-depth look at the anticipated 2025 IRMAA brackets for individuals and married couples, outlining how your Modified Adjusted Gross Income (MAGI) influences the additional premiums you'll pay. We also explore the potential adjustments due to inflation, and how changes in economic and demographic factors might affect your IRMAA costs in the coming year. Stay informed with the latest projections and prepare for the potential financial impact as Medicare premiums rise.