2025 Irmaa Brackets For Seniors Over 65. Katelyn explains the updated irmaa brackets for 2025, starting with a brief overview of how irmaa is calculated and how taxable income affects medicare costs. The calculation for irmaa uses agi from two years prior.
2025 medicare brackets (for irmaa adjustments) 2025 premiums are based on 2023 modified adjusted gross income [magi = agi on line 11 + tax exempt interest on line 2a]. This article reviews the 2024 and projected 2025 irmaa income brackets, as well as how irmaa brackets are calculated and how you pay the extra surcharge.