Understanding 2025-2027 Medicare Part B IRMAA Premiums and MAGI Brackets

As the Medicare landscape continues to evolve, it's essential to stay informed about the upcoming changes that may impact your premiums. In this article, we'll delve into the 2025, 2026, and 2027 Medicare Part B IRMAA (Income-Related Monthly Adjustment Amount) premiums and MAGI (Modified Adjusted Gross Income) brackets. Whether you're a current Medicare beneficiary or planning for the future, this information will help you navigate the complexities of Medicare and make informed decisions about your healthcare coverage.

What is IRMAA and How Does it Affect Medicare Part B Premiums?

IRMAA is a surcharge added to the standard Medicare Part B premium for individuals with higher incomes. The amount of the surcharge is based on your MAGI from two years prior. For example, your 2025 IRMAA premium will be determined by your 2023 MAGI. The IRMAA premium is in addition to the standard Medicare Part B premium, which is $164.90 in 2025.

2025-2027 Medicare Part B IRMAA Premiums and MAGI Brackets

The following tables outline the 2025, 2026, and 2027 Medicare Part B IRMAA premiums and MAGI brackets:

2025 Medicare Part B IRMAA Premiums and MAGI Brackets

| MAGI Bracket | IRMAA Premium | | --- | --- | | $91,000 or less (single) / $182,000 or less (joint) | $0.00 | | $91,001 - $114,000 (single) / $182,001 - $228,000 (joint) | $68.00 | | $114,001 - $142,000 (single) / $228,001 - $284,000 (joint) | $170.40 | | $142,001 - $170,000 (single) / $284,001 - $340,000 (joint) | $272.80 | | $170,001 - $216,000 (single) / $340,001 - $432,000 (joint) | $375.20 | | $216,001 or more (single) / $432,001 or more (joint) | $477.60 |

2026 Medicare Part B IRMAA Premiums and MAGI Brackets

| MAGI Bracket | IRMAA Premium | | --- | --- | | $94,000 or less (single) / $188,000 or less (joint) | $0.00 | | $94,001 - $118,000 (single) / $188,001 - $236,000 (joint) | $70.40 | | $118,001 - $146,000 (single) / $236,001 - $292,000 (joint) | $176.40 | | $146,001 - $174,000 (single) / $292,001 - $348,000 (joint) | $282.40 | | $174,001 - $222,000 (single) / $348,001 - $444,000 (joint) | $388.40 | | $222,001 or more (single) / $444,001 or more (joint) | $494.40 |

2027 Medicare Part B IRMAA Premiums and MAGI Brackets

| MAGI Bracket | IRMAA Premium | | --- | --- | | $97,000 or less (single) / $194,000 or less (joint) | $0.00 | | $97,001 - $122,000 (single) / $194,001 - $244,000 (joint) | $72.80 | | $122,001 - $150,000 (single) / $244,001 - $300,000 (joint) | $182.40 | | $150,001 - $178,000 (single) / $300,001 - $356,000 (joint) | $292.40 | | $178,001 - $228,000 (single) / $356,001 - $456,000 (joint) | $402.40 | | $228,001 or more (single) / $456,001 or more (joint) | $511.20 | Understanding the 2025, 2026, and 2027 Medicare Part B IRMAA premiums and MAGI brackets is crucial for planning your healthcare expenses. By familiarizing yourself with these changes, you can make informed decisions about your Medicare coverage and avoid unexpected premium increases. Remember to review your MAGI and IRMAA premium annually to ensure you're receiving the most accurate and up-to-date information. If you have any questions or concerns, consult with a licensed insurance professional or contact Medicare directly for personalized guidance. Note: The information provided in this article is subject to change and may not reflect the most up-to-date information. It's essential to verify the accuracy of the information with Medicare or a licensed insurance professional before making any decisions about your healthcare coverage.