GLOSSARY · TAX & ESTATE
IRMAA (income-related monthly adjustment amount)
An extra amount added to Medicare Part B and Part D premiums for people whose modified adjusted gross income from two years earlier is above a set line. The surcharge rises in tiers, and each line is a cliff: one dollar over moves you into the next tier for the whole year. A life-changing event such as retirement can be used to ask Social Security to base it on a more recent year.
Also called: IRMAA, Medicare surcharge, income-related Medicare premium
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CHAPTER · HEALTH INSURANCE OPTIMIZATION · DEEP DIVEPlanning for MedicareRELATED TERMS
SOURCES
- 2026 Medicare Parts A & B Premiums and Deductibles. Centers for Medicare & Medicaid Services.