What Part B and the Part D surcharge cost at your income, and how close you are to the next tier.
Covers: irmaa, medicare premium, part b premium, part d surcharge, income related monthly adjustment, medicare surcharge, ssa-44.
Open the Medicare Premiums & IRMAA tool →Most people pay the standard Part B premium. If your income was higher, you pay more, and so does your Part D drug plan: an income-related monthly adjustment amount, usually called IRMAA. It comes in tiers, and the tiers are a cliff rather than a slope. One dollar of income over a line moves you into the next tier for the whole year.
The income that counts is your modified adjusted gross income from two years earlier: the adjusted gross income on your federal return, plus any tax-exempt interest. That is line 11 of Form 1040 plus line 2a. So a Roth conversion, a large capital gain or a year of extra required withdrawals shows up in your Medicare premium two years later, when you may no longer be able to change it.
Enter the figure from that return and your filing status, and we show your tier, what Part B and the Part D surcharge cost, how much room you have before the next line, and what it adds up to for a year. The Part D figure is a surcharge on top of whatever your plan charges; plan premiums vary and are not shown here.
If your income has dropped since then because of a life-changing event, such as retiring, losing a spouse or divorcing, you can ask Social Security to use a more recent year with Form SSA-44. If you think the figure Social Security used is wrong, you can ask it to reconsider within 60 days of the notice. This is information about published premiums and rules, not financial or tax advice.
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