Medicare premiums
Why higher income can affect Original Medicare Part B and Part D premiums—and when a review may be possible.
IRMAA stands for Income-Related Monthly Adjustment Amount. Some higher-income beneficiaries pay this additional amount for Medicare Parts B and D. It does not change your Medicare benefits or Medicare Supplement premiums.
Medicare generally uses tax-return information from two years earlier. For 2026, that generally means 2024 income. Thresholds and premium amounts change annually; the supplied handout is labeled for 2026.
Certain life-changing events, including retirement, marriage, divorce or a spouse’s death, may support a request for a new determination through Social Security using Form SSA-44. A drop in income does not automatically remove the adjustment.
Consult Social Security, Medicare and your tax or financial professional about your individual situation. Boyer’s materials provide general education, not legal, tax or investment advice.
General education only, not a plan recommendation or legal, tax or investment advice. Coverage and enrollment rules depend on individual circumstances. Source handouts with amounts are labeled for 2026; consult Medicare.gov and Social Security for current information. Do not send completed forms or sensitive identification information through this website.