Medicare Part B Income-Related Monthly Adjustment Amounts
Since 2007, a beneficiary’s Part B monthly premium has been based on his or her income. These income-related monthly adjustment amounts affect roughly 8% of people with Medicare Part B. The 2025 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table:
2025 Medicare Part B IRMAA
Income-Related Monthly Adjustment Amount
Part B Immunosuppressive Drug Coverage
High-income beneficiaries with only Part B immunosuppressive drug coverage in 2025 may face adjusted monthly premiums based on their income level. Premiums range from $110.40 for those with a modified adjusted gross income (MAGI) of $106,000 or less (individual filers) to $552.10 for individuals earning $500,000 or more. To learn more about this specific plan and see detailed information, click here.
Medicare Part A Premium and Deductible
Medicare Part A provides coverage for inpatient hospital stays, skilled nursing facilities, hospice care, inpatient rehabilitation, and certain home health care services. Approximately 99% of Medicare beneficiaries do not pay a Part A premium because they have at least 40 quarters of Medicare-covered employment, as determined by the Social Security Administration.
In 2025, the Medicare Part A inpatient hospital deductible will be $1,676, a $44 increase from the $1,632 deductible in 2024. This deductible covers the first 60 days of Medicare-covered inpatient hospital care in a benefit period. For longer hospital stays, beneficiaries will pay $419 per day for days 61–90 ($408 in 2024) and $838 per day for lifetime reserve days ($816 in 2024).
For skilled nursing facility care, the daily coinsurance for days 21–100 of extended care services will be $209.50 in 2025, up from $204.00 in 2024.
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Medicare Part D Income-Related Monthly Adjustment Amounts
Since 2011, Medicare Part D monthly premiums have been determined based on a beneficiary’s income. Approximately 8% of Medicare Part D enrollees pay income-related monthly adjustment amounts (IRMAA) in addition to their standard Part D premium.
Part D premiums vary by plan, but regardless of payment method, IRMAA amounts are deducted directly from Social Security benefits or paid directly to Medicare. While about two-thirds of beneficiaries pay premiums directly to their plan, the rest have premiums deducted from their Social Security checks.
For 2025, the income-related monthly adjustment amounts for high-income beneficiaries are outlined in the table below.