All Medicare beneficiaries must be enrolled in both Medicare Part A and B before they are allowed to enroll in a Medicare Supplement or Advantage policy. The standard Part B premium amount in 2025 is $185. Most people pay the standard Part B premium amount. If your Modified Adjusted Gross Income (MAGI) as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium. The chart below shows the extra amount you can expect to pay for Medicare Part B.
Find out if you’ll pay a higher Part B premium in 2025:
As this chart shows, if you pay more than the standard amount for Medicare Part B, you will also pay more for your drug plan as this chart shows:
| IRMAA for 2025 | |||
| Single | Married filing jointly | Part B Income-Related Monthly Adjustment Amount | Part D Income-Related Monthly Adjustment Amount |
| Less than or equal to $106,000 | Less than or equal to $212,000 | $0.00 | $0.00 |
| Greater than $106,000 and less than or equal to $133,000 | Greater than $212,000 and less than or equal to $266,000 | $74.00 | $13.70 |
| Greater than $133,000 and less than or equal to $167,000 | Greater than $266,000 and less than or equal to $334,00 | $185.00 | $35.30 |
| Greater than $167,000 and less than or equal to $200,000 | Greater than $334,00 and less than or equal to $400,000 | $295.90 | $57.00 |
| Greater than $200,000 and less than $500,000 | Greater than $400,000 and less than $750,000 | $406.90 | $78.60 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $443.90 | $85.80 |
If you find that your past income will cause you to pay more for both Medicare Part B and your drug plan, but expect your income to be much lower after retirement, you can contact Social Security via their website, www.ssa.gov or 1 800 408 1212 and appeal your additional premiums. Social Security is opened Monday through Friday from 7 AM until 7 PM.
