The 2025 standard Part B premium is $185.00 per month. IRMAA adds a surcharge once your income passes a bracket. Your 2025 surcharge is based on your income from two years prior (2023). The first cliff is at $106,000 for single filers and $212,000 for joint filers. Below are the full Part B and Part D amounts for every filing status.
| 2023 income (MAGI) | Tier | Part B / mo | Part B surcharge | Part D / mo |
|---|---|---|---|---|
| $106,000 or less | Standard | $185.00 | $0.00 | $0.00 |
| $106,001 – $133,000 | Tier 1 | $259.00 | +$74.00 | +$13.70 |
| $133,001 – $167,000 | Tier 2 | $370.00 | +$185.00 | +$35.30 |
| $167,001 – $200,000 | Tier 3 | $480.90 | +$295.90 | +$57.00 |
| $200,001 – $499,999 | Tier 4 | $591.90 | +$406.90 | +$78.60 |
| $500,000 or more | Tier 5 | $628.90 | +$443.90 | +$85.80 |
Single, head of household, or qualifying widow(er).
Source: SSA POMS HI 01101.020: IRMAA Sliding Scale Tables (2025, based on 2023 MAGI); CMS 2025 Medicare Parts A & B Premiums and Deductibles Fact Sheet. https://www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. Last verified 2026-06-15. The standard 2025 Part B premium is $185.00/mo.
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IRMAA is a cliff, not a slope. Going one dollar over a bracket moves your whole surcharge up a step for the entire year. Because Medicare looks back two years, your 2023 income sets your 2025 premium. See how to stay under the next bracket →
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