US Medical Term · insurance
IRMAA
IRMAA
In 9 languages
| Language | Term |
|---|---|
| English | IRMAA |
| Spanish (Español) | IRMAA |
| Chinese (中文) | 收入相关月度调整额 |
| Korean (한국어) | 소득 관련 월 조정 금액 |
| Vietnamese (Tiếng Việt) | Khoản điều chỉnh hàng tháng dựa trên thu nhập |
| Filipino (Tagalog) | IRMAA |
| Portuguese (Português) | Ajuste mensal de prêmio baseado em renda |
| Thai (ภาษาไทย) | การปรับเบี้ยประกันรายเดือนตามรายได้ |
| Japanese (日本語) | 所得連動型月額調整額 |
What it means
IRMAA stands for Income-Related Monthly Adjustment Amount—the extra surcharge added to your Medicare Part B and Part D premiums when your income from two years ago exceeds certain IRS thresholds. In 2025, single filers with income above $106,000 pay more than the standard Part B premium. Surcharges are tiered: the higher your income, the larger the add-on. If your income has dropped significantly—because of retirement, a spouse's death, divorce, or loss of pension income—you can ask Social Security to use a more recent tax year by filing Form SSA-44 with supporting documents. Social Security sends an IRMAA determination letter each fall for the following year.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
IRMAA surcharge on Medicare premiums
recargo IRMAA sobre primas de Medicare
Medicare high-income premium surcharge
recargo de prima de Medicare por ingresos altos
income-related Medicare adjustment amount
monto de ajuste de Medicare basado en ingresos
Where you'll see it
Related terms
Sources
Last reviewed: September 2026