2025 Irmaa Brackets Based On 2025 Income Based. Irmaa is calculated based on five income brackets, with higher brackets leading to significantly higher premiums. Irmaa thresholds are based on your modified adjusted gross income (magi).

On november 8, 2024, the centers for medicare & medicaid services (cms) released the 2025 premiums, deductibles, and coinsurance amounts for the medicare part a and part b. The 2025 medicare irmaa brackets are designed to adjust premiums based on an individual’s income, ensuring that those who can afford to contribute more do so.