IRMAA Calculator

Will your income raise your Medicare premiums?

Higher earners pay more for Part B and Part D. This surcharge is called IRMAA. Two questions tell you where you stand.

1 Your tax return

Why two years ago? Social Security sets your premium using the most recent tax return the IRS has — so premiums are based on your income.

2 Your premiums

Enter your income to see your premiums.

All income brackets

Income (single) Part B / mo Part D add-on
Your income dropped? You may be able to lower your IRMAA

If your income has gone down since that tax return because of a life-changing event, you can ask Social Security to use your current income instead, using form SSA-44. Qualifying events include:

  • Retirement or cutting back on work
  • Death of a spouse
  • Marriage, divorce or annulment
  • Loss of an employer pension
  • Loss of income-producing property (not a voluntary sale)
  • An employer settlement payment

Download form SSA-44 from SSA.gov — or let us help you file it.

For illustration only, based on the official CMS IRMAA brackets shown. Your actual premium is set by the Social Security Administration. The Part D surcharge is added to the premium of any Part D plan or Medicare Advantage plan with drug coverage. Not connected with or endorsed by the U.S. government or the federal Medicare program.