You Can Appeal the IRMAA for Medicare Parts B and D

There’s a good chance you can get your IRMAA eliminated or reduced if your income has dropped in the past two years.

Wallet with several USA currency 100 dollar bills, a Medicare card and a Social Security card visible protruding from the pockets.
(Image credit: Getty Images)

Retirees are paying slightly higher premiums for Medicare Part B in 2024 with an increase of almost 6% from 2023. The premium rose to $174.70, up $9.80 from $164.90 in 2023. Any price hike reverberates a bit more for a subset of seniors who are subject to the Medicare high-income surcharge — also known as the income-related monthly adjustment amount (IRMAA).

IRMAA 

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If your yearly income in 2022 wasHeader Cell - Column 1 Your 2024 Medicare Premiums areHeader Cell - Column 3
SingleMarried Filing JointlyPart BPart D
Less than or equal to $103,000Less than or equal to $206,000$174.70Your plan premium
Greater than $103,000 and less than or equal to $129,000Greater than $206,000 and less than or equal to $258,000$244.60$12.90 + your plan premium
Greater than $129,000 and less than or equal to $161,000Greater than $258,000 and less than or equal to $322,000$349.40$33.30 + your plan premium
Greater than $161,000 and less than or equal to $193,000Greater than $322,000 and less than or equal to $386,000$454.20$53.80 + your plan premium
Greater than $193,000 and less than $500,000Greater than $386,000 and less than $750,000$559.00$74.20 + your plan premium
Greater than or equal to $500,000Greater than or equal to $750,000$594.00$81.00 + your plan premium

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Sandra Block
Senior Editor, Kiplinger's Personal Finance

Block joined Kiplinger in June 2012 from USA Today, where she was a reporter and personal finance columnist for more than 15 years. Prior to that, she worked for the Akron Beacon-Journal and Dow Jones Newswires. In 1993, she was a Knight-Bagehot fellow in economics and business journalism at the Columbia University Graduate School of Journalism. She has a BA in communications from Bethany College in Bethany, W.Va.

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