Higher retirement income raises your Medicare premiums. See which bracket you land in and the monthly surcharge.
Your numbers
$
Monthly surcharge
Above the base premium
,
The income-related monthly adjustment amount (IRMAA) raises Medicare Part B and Part D premiums once income passes set thresholds, based on your tax return from two years earlier. These use 2025 single thresholds (doubled for married filing jointly): 106k, 133k, 167k, 200k, and 500k. Figures are per person; a couple both on Medicare pay the surcharge each.