IRMAA 2025 Brackets and Premiums Chart
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IRMAA 2025 Brackets and Premiums Chart
The Affordable Care Act (ACA) created the Income-Related Monthly Adjustment Amount (IRMAA) to help offset the cost of health insurance for higher-income individuals and families. IRMAA is an additional premium that is added to the monthly premiums of individuals and families who have incomes above certain thresholds. The IRMAA thresholds are adjusted annually based on the cost of health insurance.
For 2025, the IRMAA thresholds have been increased. This means that more individuals and families will be subject to IRMAA in 2025. The following chart shows the IRMAA thresholds and premiums for 2025:
| Filing Status | Income Threshold | IRMAA Premium |
|---|---|---|
| Single | $97,000 | $240 |
| Head of Household | $138,000 | $560 |
| Married Filing Jointly | $194,000 | $1,280 |
| Married Filing Separately | $97,000 | $640 |
How to Avoid IRMAA
There are a few ways to avoid IRMAA. One way is to reduce your income. This can be done by contributing more to a retirement account, such as a 401(k) or IRA. Another way to avoid IRMAA is to increase your family size. This can be done by having children or adopting children.
Conclusion
IRMAA is an additional premium that is added to the monthly premiums of individuals and families who have incomes above certain thresholds. The IRMAA thresholds are adjusted annually based on the cost of health insurance. For 2025, the IRMAA thresholds have been increased. This means that more individuals and families will be subject to IRMAA in 2025. There are a few ways to avoid IRMAA. One way is to reduce your income. Another way to avoid IRMAA is to increase your family size.
Additional Information
- IRMAA is only applied to health insurance plans that are purchased through the Health Insurance Marketplace.
- IRMAA is not applied to employer-sponsored health insurance plans.
- IRMAA is not applied to Medicare Part A or Part B premiums.
- IRMAA is not applied to Medicaid premiums.
FAQs
- What is IRMAA?
IRMAA is the Income-Related Monthly Adjustment Amount. It is an additional premium that is added to the monthly premiums of individuals and families who have incomes above certain thresholds.
- How much is IRMAA?
The amount of IRMAA depends on your filing status and income. The IRMAA thresholds and premiums for 2025 are shown in the chart above.
- How can I avoid IRMAA?
There are a few ways to avoid IRMAA. One way is to reduce your income. Another way to avoid IRMAA is to increase your family size.
- Does IRMAA apply to employer-sponsored health insurance plans?
No, IRMAA does not apply to employer-sponsored health insurance plans.
- Does IRMAA apply to Medicare Part A or Part B premiums?
No, IRMAA does not apply to Medicare Part A or Part B premiums.
- Does IRMAA apply to Medicaid premiums?
No, IRMAA does not apply to Medicaid premiums.
Closure
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