Skip to content

Health Insurance FAQs

  • Plans
  • Costs
  • Enrollment
  • Strategies
  • Accounts
  • Compliance
  • Ancillary
  • Individual
  • Medicare

IRMAA

The Income-Related Monthly Adjustment Amount is a surcharge added to Medicare Part B and Part D premiums for higher-income beneficiaries. It is based on income from two years earlier and increases in tiers.

What is IRMAA (the income-related Medicare surcharge)?

June 28, 2026June 28, 2026 by HealthInsuranceFAQs

IRMAA is an extra amount higher-income beneficiaries pay on top of their Medicare Part B and Part D premiums. For 2026 it starts when income (from your 2024 tax return) exceeds about $109,000 for individuals or $218,000 for couples.

Categories Medicare Coverage Tags IRMAA

Search by Category

Tax-Advantaged Accounts

  • POPs (Premium Only Plans)
  • FSAs (Flexible Spending Accounts)
  • DCAs (Dependent Care Accounts)
  • HSAs (Health Savings Accounts)
  • HRAs (Health Reimbursement Arrangements)
  • MERPs (Medical Expense Reimbursement Plans)
  • MPRAs (Medicare Premium Reimbursement Arrangements)
  • ICHRAs (Individual Coverage HRAs)
  • QSEHRAs (Qualified Small Employer HRAs)

Compliance Requirements

  • Marketplace Notice
  • HIPAA Notice
  • COBRA
  • State Continuation
  • SBCs
  • ERISA
  • Medicare Part D Notice
  • Medicare Secondary Payer
  • RxDC Reporting
  • Employer Reporting

Copyright 2026 BenefitLab LLC