If your Medicare premiums suddenly went up, you’re not alone.
Many seniors are surprised to see an additional charge called IRMAA on their Medicare bill—and even more confused about why it’s there.
The good news is:
👉 You may be able to reduce or appeal it.
What Is IRMAA?
IRMAA stands for Income-Related Monthly Adjustment Amount.
It’s an extra amount added to your Medicare costs if your income is above certain thresholds.
IRMAA can affect:
- Medicare Part B premiums
- Medicare Part D (prescription drug plan) costs
Why Am I Being Charged IRMAA?
IRMAA is based on your income from about 2 years ago.
For example:
- Your 2026 Medicare premiums are typically based on your 2024 tax return
This is where confusion usually comes from.
You might be charged IRMAA because:
- You sold a property or business
- You had a one-time income spike
- You recently retired but your old income is still being used
- You filed jointly and your combined income exceeded limits
How Much Does IRMAA Increase Your Costs?
The increase depends on your income level.
As your income rises, your:
- Part B premium increases
- Part D premium surcharge increases
📌 These adjustments can add hundreds of dollars per month in some cases.
Can You Reduce or Remove IRMAA?
👉 Yes—many people qualify for a reduction or appeal.
This is the part most people don’t realize.
When You May Be Able to Lower Your IRMAA
You may be able to request a reduction if you’ve had a life-changing event, such as:
- Retirement or reduction in work hours
- Loss of income-producing property
- Divorce or death of a spouse
- Pension changes
- Employer settlement ending
If your income is now lower than what Medicare is using, you may qualify for a review.
How to Appeal IRMAA
To request a reduction, you typically need to:
- Complete an IRMAA reconsideration request form
- Provide documentation supporting your situation
- Submit it to Social Security
📌 This process can be confusing if you’re not familiar with it.
Why Most People Call Us About IRMAA
Most people don’t call just because of IRMAA…
They call because they’re asking:
- “Am I being overcharged?”
- “Did Medicare make a mistake?”
- “Is there a way to lower this?”
- “What should I do next?”
That’s where we help.
Speak With a Licensed Advisor About Your Situation
If you’re being charged IRMAA—or think you might be—we can walk you through your situation and help you understand your options.
👉 Call (561) 808-9410 to speak with a licensed advisor
👉 Or schedule a consultation here: https://calendly.com/medicareplanassistance/medicare-enrollment
There’s no cost and no obligation.
Important: Don’t Ignore IRMAA
Many people assume:
“I guess I just have to pay it.”
That’s not always true.
In some cases:
- It can be reduced
- It can be removed
- Or you may qualify for a reconsideration
But if you don’t take action, you’ll continue paying the higher premium.
How Long Does IRMAA Last?
IRMAA is reviewed annually.
If your income changes:
- Your IRMAA can go down in future years
- Or be adjusted after a successful appeal
What If You’re Not Sure Why You’re Being Charged?
This is extremely common.
Medicare doesn’t always make it obvious why the charge is there.
If you’re unsure:
- It’s worth having someone review your situation
- A quick call can usually clarify everything
Visit Our Office for In-Person Help
If you prefer face-to-face assistance, you can come into our office and we’ll help you:
- Understand your IRMAA charge
- Review your income situation
- Go over possible next steps
👉 Call ahead at (561) 808-9410 to schedule a visit
Frequently Asked Questions
Is IRMAA permanent?
No. It can change year to year based on your income.
Does everyone pay IRMAA?
No. Only individuals above certain income thresholds are charged IRMAA.
Can I appeal IRMAA myself?
Yes, but many people prefer guidance to ensure it’s done correctly.
Does IRMAA affect Medicare Advantage plans?
It doesn’t change your plan itself, but it can affect your Part D costs.