[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"aem-page-pages\u002Fwhat-is-irmaa-new-learning-hub":3},{"components":4,"disclaimers":180,"annoucementBar":187},[5,30,34,121,124,144],{"typename":6,"complianceLinks":7,"navigationLinks":8,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":7,"imagePath":16,"alt":17,"images":7,"narrowCallOut":18,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":27,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"HeaderModel",null,[9,13],{"text":10,"target":11,"href":12,"parentText":7},"Learning Hub","_self","\u002Flearning-hub",{"text":14,"target":11,"href":15,"parentText":7},"About Us","\u002Fabout-us","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceMALogo?fmt=png-alpha","Reliance Brand",{"firstLevelHeading":19,"secondLevelHeading":20,"hoursOfOperation":21,"ttyNumber":22,"iconPath":23},"Need help?","Call a licensed sales agent","Sun - Sat, 7 a.m. - 10 p.m. ET.","711",[24],{"alt":25,"imagePath":26},"Call Phone","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FcallPhone?fmt=png-alpha",{"text":28,"colorClass":29},"Search plans","primary",{"typename":31,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":32,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"TextBlockModel",{"html":33},"\u003Ch1>What is the income-related monthly adjustment amount (IRMAA)?  \u003C\u002Fh1>\n\u003Cp>The income related monthly adjustment amount (IRMAA) is a monthly surcharge based on your income. If you have Medicare Part B or Part D coverage, you may have an IRMAA surcharge. The Social Security Administration (SSA) defines which income brackets must pay this surcharge, and if it applies to you, you will get a notice from the SSA with your new premium amount. You can appeal IRMAA by requesting a reconsideration within 60 days of getting your notice.\u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Cp> \u003C\u002Fp>\n\u003Ch2>How is IRMAA calculated?  \u003C\u002Fh2>\n\u003Cp>The SSA calculates IRMAA every year. They look at your income reported from 2 years prior—so for 2026, they’ll look at your 2024 tax returns to decide if you must pay IRMAA. This means if your income is higher or lower each year, your IRMAA status can change.  \u003C\u002Fp>\n\u003Cp>If the SSA decides you must pay IRMAA, you’ll get a notice with your new premium amount and the reason for the change.  \u003C\u002Fp>\n",{"typename":35,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":36,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":38,"rowsList":39},"TableModel",{"html":37},"\u003Cp>Take a look at the 2026 income brackets for Part B and Part D IRMAA.\u003C\u002Fp>\n","Income brackets for Part B and Part D IRMAA",[40,52,63,75,86,97,109],{"columnContent":41},[42,44,46,48,50],{"html":43},"\u003Cp>\u003Cb>Single\u003C\u002Fb>\u003C\u002Fp>\n",{"html":45},"\u003Cp>\u003Cb>Married Filing Jointly\u003C\u002Fb>\u003C\u002Fp>\n",{"html":47},"\u003Cp>\u003Cb>Married Filing Separately\u003C\u002Fb>\u003C\u002Fp>\n",{"html":49},"\u003Cp>\u003Cb>Part B Premium\u003C\u002Fb>\u003C\u002Fp>\n",{"html":51},"\u003Cp>\u003Cb>Part D IRMAA\u003C\u002Fb>\u003C\u002Fp>\n",{"columnContent":53},[54,56,58,59,61],{"html":55},"\u003Cp>$109,000 or less\u003C\u002Fp>\n",{"html":57},"\u003Cp>$218,000 or less\u003C\u002Fp>\n",{"html":55},{"html":60},"\u003Cp>$202.90\u003C\u002Fp>\n",{"html":62},"\u003Cp>$0 + your plan premium\u003C\u002Fp>\n",{"columnContent":64},[65,67,69,71,73],{"html":66},"\u003Cp>above $109,000 up to $137,000\u003C\u002Fp>\n",{"html":68},"\u003Cp>above $218,000 up to $274,000\u003C\u002Fp>\n",{"html":70},"\u003Cp>Not applicable\u003C\u002Fp>\n",{"html":72},"\u003Cp>$284.10\u003C\u002Fp>\n",{"html":74},"\u003Cp>$14.50+ your plan premium\u003C\u002Fp>\n",{"columnContent":76},[77,79,81,82,84],{"html":78},"\u003Cp>above $137,000 up to $171,000\u003C\u002Fp>\n",{"html":80},"\u003Cp>above $274,000 up to $342,000\u003C\u002Fp>\n",{"html":70},{"html":83},"\u003Cp>$405.80\u003C\u002Fp>\n",{"html":85},"\u003Cp>$37.50+ your plan premium\u003C\u002Fp>\n",{"columnContent":87},[88,90,92,93,95],{"html":89},"\u003Cp>above $171,000 up to $205,000\u003C\u002Fp>\n",{"html":91},"\u003Cp>above $342,000 up to $410,000\u003C\u002Fp>\n",{"html":70},{"html":94},"\u003Cp>$527.50\u003C\u002Fp>\n",{"html":96},"\u003Cp>$60.40+ your plan premium\u003C\u002Fp>\n",{"columnContent":98},[99,101,103,105,107],{"html":100},"\u003Cp>above $205,000 and less than $500,000\u003C\u002Fp>\n",{"html":102},"\u003Cp>above $410,000 and less than $750,000\u003C\u002Fp>\n",{"html":104},"\u003Cp>above $109,000 and less than $391,000\u003C\u002Fp>\n",{"html":106},"\u003Cp>$649.20\u003C\u002Fp>\n",{"html":108},"\u003Cp>$83.30+ your plan premium\u003C\u002Fp>\n",{"columnContent":110},[111,113,115,117,119],{"html":112},"\u003Cp>$500,000 or above\u003C\u002Fp>\n",{"html":114},"\u003Cp>$750,000 or above\u003C\u002Fp>\n",{"html":116},"\u003Cp>$391,000 or above\u003C\u002Fp>\n",{"html":118},"\u003Cp>$689.90\u003C\u002Fp>\n",{"html":120},"\u003Cp>$91+ your plan premium\u003C\u002Fp>\n",{"typename":31,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":122,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},{"html":123},"\u003Cp>Information sourced from: \u003Ca href=\"https:\u002F\u002Fwww.medicare.gov\u002Fpublications\u002F11579-medicare-costs.pdf?mod=article_inline\">https:\u002F\u002Fwww.medicare.gov\u002Fpublications\u002F11579-medicare-costs.pdf?mod=article_inline\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp>\u003Cb>Note\u003C\u002Fb>: If you pay a Medicare late enrollment penalty, these amounts may be higher. \u003C\u002Fp>\n\u003Ch2> \u003C\u002Fh2>\n\u003Ch2>How do I pay Part B or Part D IRMAA?  \u003C\u002Fh2>\n\u003Cp>Part B IRMAA is automatically added to your monthly premium bill. There are 4 ways you can pay your Part B premium: \u003C\u002Fp>\n\u003Cul>\n\u003Cli>Online through your secure Medicare account \u003C\u002Fli>\n\u003Cli>From your bank’s online bill payment service \u003C\u002Fli>\n\u003Cli>Signing up for Medicare Easy Pay \u003C\u002Fli>\n\u003Cli>Mailing your payment to Medicare \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You’ll have to pay Part D IRMAA directly to Medicare—not to your insurance plan or your employer. You have to pay directly to Medicare even if your Part D premiums are covered by your employer or another third party. You may have your Part D IRMAA paid automatically from your Social Security or other federal benefits. If not, you’ll get a monthly bill from Medicare for your Part D IRMAA and you can pay it the same way you pay your Part B, which is:  \u003C\u002Fp>\n\u003Cul>\n\u003Cli>Online through your \u003Ca href=\"https:\u002F\u002Fwww.medicare.gov\u002Faccount\u002Flogin\u002F\">secure Medicare account\u003C\u002Fa>\u003C\u002Fli>\n\u003Cli>From your bank’s online bill payment service \u003C\u002Fli>\n\u003Cli>Signing up for \u003Ca href=\"https:\u002F\u002Fwww.medicare.gov\u002Fbasics\u002Fcosts\u002Fpay-premiums\u002Fmedicare-easy-pay\">Medicare Easy Pay\u003C\u002Fa>\u003C\u002Fli>\n\u003Cli>Mailing your payment to Medicare \u003Cbr>\n\u003Cbr>\n\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2>How do I appeal an IRMAA? \u003C\u002Fh2>\n\u003Cp>You can appeal an IRMAA notice for several reasons.  \u003C\u002Fp>\n\u003Cul>\n\u003Cli>The tax information used by the SSA is incorrect or outdated \u003C\u002Fli>\n\u003Cli>You’ve had a loss of income \u003C\u002Fli>\n\u003Cli>You’ve experienced the death of a spouse \u003C\u002Fli>\n\u003Cli>You’ve gotten married or divorced \u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>You have 60 days from receiving a notice to file an appeal. To get started, contact the SSA at 800-772-1213 (TTY: 800-325-0778).\u003C\u002Fp>\n",{"typename":125,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":126,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":7,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":127,"iconTextCardList":7,"headline":7,"rowsList":7},"SidebarArticleListContainerModel","More in Costs and Coverage Articles",[128,134,139],{"imagePath":129,"imageAltText":130,"ctaText":7,"ctaLink":7,"bodyCopy":7,"date":7,"eyebrow":131,"heading":132,"headingLink":133},"https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FAdobeStock_506197837-3?fmt=png-alpha","Senior patient talking with female doctor","Article","Understanding Part A costs and coverage","\u002Flearning-hub\u002Fcosts\u002Fmedicare-part-a-cost-coverage",{"imagePath":135,"imageAltText":136,"ctaText":7,"ctaLink":7,"bodyCopy":7,"date":7,"eyebrow":131,"heading":137,"headingLink":138},"https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FAdobeStock_818516804-1?fmt=png-alpha","Nurse consulting senior patient at home","Understanding Part B costs and coverage","\u002Flearning-hub\u002Fcosts\u002Fmedicare-part-b-cost-coverage",{"imagePath":140,"imageAltText":141,"ctaText":7,"ctaLink":7,"bodyCopy":7,"date":7,"eyebrow":131,"heading":142,"headingLink":143},"https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FAdobeStock_637915181-2?fmt=png-alpha","Smiling older woman using smartphone at home","Understanding Part C and Part D costs and coverage","\u002Flearning-hub\u002Fcosts\u002Fmedicare-part-cd-cost-coverage",{"typename":145,"complianceLinks":146,"navigationLinks":153,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":164,"bodyCopy":7,"imagePath":16,"alt":17,"images":7,"narrowCallOut":174,"lastPublishedDate":177,"copyright":178,"phoneNumber":7,"cmsId":179,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7,"articleCardList":7,"iconTextCardList":7,"headline":7,"rowsList":7},"FooterModel",[147,150],{"typename":7,"text":148,"href":149,"target":11},"Privacy Policy","\u002Fprivacy-policy",{"typename":7,"text":151,"href":152,"target":11},"Washington MHMD Notice","\u002Fwashington-mhmd-notice",[154,157,161,163],{"text":155,"target":11,"href":156,"parentText":7},"Find Plans","#find-plans",{"text":158,"target":159,"href":160,"parentText":7},"Shop by benefit","_blank","\u002F",{"text":162,"target":159,"href":15,"parentText":7},"About Reliance",{"text":10,"target":159,"href":12,"parentText":7},[165,168,171],{"alt":166,"imagePath":167},"Facebook","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002Ffacebook-2?fmt=png-alpha",{"alt":169,"imagePath":170},"Instagram","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FInstagram?fmt=png-alpha",{"alt":172,"imagePath":173},"Twitter","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FXTwitter?fmt=png-alpha",{"firstLevelHeading":19,"secondLevelHeading":20,"hoursOfOperation":21,"ttyNumber":22,"iconPath":175},[176],{"alt":25,"imagePath":26},"2026-10-01","© Reliance Medicare Advisors 2026","MULTIPLAN_GHHMQ6FEN_2027_WEB_V1_M",[181],{"disclaimerCopy":182,"dropdownTitle":184,"dropdownCopy":185},{"html":183},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Advisors is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency and Humana Inc. Reliance Medicare Advisors is not affiliated with or endorsed by any government agency.\u003C\u002Fp>\n\u003Cp>Reliance Medicare Advisors represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent ##carriers## organizations which offer ##products## products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.\u003Cbr>\n\u003Cbr>\nIf you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n\u003Cp>For Aetna: The benefit(s) mentioned are part of special supplemental benefits for the chronically ill (SSBCI). SSBCI conditions include but are not limited to: hypertension, hyperlipidemia, diabetes, cardiovascular disorders, and chronic lung disorders. Eligibility is determined by whether you have a chronic condition associated with the benefit(s) and you meet all other criteria. Even if you have a listed chronic condition, you may not necessarily receive the benefit because other eligibility and coverage criteria may apply. Standards and conditions vary for each benefit. Contact us to confirm the specific SSBCI condition requirements for the benefit(s) for this plan and determine your eligibility.\u003C\u002Fp>\n\u003Cp>For Aetna: The Aetna C-SNP is available to Medicare members who have at least one of the qualifying chronic conditions. To ensure a successful enrollment process, we’ll confirm with your healthcare provider that you have one of these eligible conditions. If verification of eligible condition is not received, involuntary disenrollment will occur.\u003C\u002Fp>\n\u003Cp>Reliance Standard Life Insurance Company and its affiliated brand, Reliance Matrix, are not affiliated, authorized, endorsed by, or in any way connected with Reliance Medicare Advisors or any of its subsidiaries or affiliates, and are not involved in the services, products, or operations offered by Reliance Medicare Advisors.\u003C\u002Fp>\n","Pre Zip Code",{"html":186},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Advisors is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency and Humana Inc. Reliance Medicare Advisors is not affiliated with or endorsed by any government agency.\u003C\u002Fp>\n\u003Cp>Reliance Medicare Advisors represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent 6 organizations which offer 3,398 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.\u003C\u002Fp>\n\u003Cp>If you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n\u003Cp>For Aetna: The benefit(s) mentioned are part of special supplemental benefits for the chronically ill (SSBCI). SSBCI conditions include but are not limited to: hypertension, hyperlipidemia, diabetes, cardiovascular disorders, and chronic lung disorders. Eligibility is determined by whether you have a chronic condition associated with the benefit(s) and you meet all other criteria. Even if you have a listed chronic condition, you may not necessarily receive the benefit because other eligibility and coverage criteria may apply. Standards and conditions vary for each benefit. Contact us to confirm the specific SSBCI condition requirements for the benefit(s) for this plan and determine your eligibility.\u003C\u002Fp>\n\u003Cp>For Aetna: The Aetna C-SNP is available to Medicare members who have at least one of the qualifying chronic conditions. To ensure a successful enrollment process, we’ll confirm with your healthcare provider that you have one of these eligible conditions. If verification of eligible condition is not received, involuntary disenrollment will occur.\u003C\u002Fp>\n\u003Cp>Reliance Standard Life Insurance Company and its affiliated brand, Reliance Matrix, are not affiliated, authorized, endorsed by, or in any way connected with Reliance Medicare Advisors or any of its subsidiaries or affiliates, and are not involved in the services, products, or operations offered by Reliance Medicare Advisors.\u003C\u002Fp>\n",{"type":7,"bodyCopy":188,"iconPath":7,"tooltipTile":7},{"html":189},"\u003Cp>Reliance Medicare Advisors is an insurance agency with no government affiliation\u003C\u002Fp>\n"]