Dear Matt,

What is the 2022 Medicare Part B premium and where can I find 2022 IRMAA income brackets for Medicare Part B and Medicare Part D?


Jill R.


Thanks for the question!

2022 Medicare Part B Premium

The 2022 Medicare Part B premium will be $170.10 a month for most people, which is a dramatic increase of $21.60 per month, or $259.20 a year.  This is a 14.5% increase from the 2021 Medicare Part B premium which was $148.50 per month for most people.

The amounts are different (higher) for those affected by IRMAA (see below for updated IRMAA charts).  I say most people, but that premium can be different because it increases every year, and it’s also means-tested.  Means-testing is a fancy way of saying it depends on how “rich” you are.  If you make more, you’re going to pay more. Much more.

I wrote a post a few weeks back when the feds announced the 5.9% 2022 Social Security cost-of-living increase and how I suspected a lot of it would be doused by the increase in Medicare Part B premium.  I was right.

At the time, the Social Security Administration reported the average Social Security benefit for a retiree will rise by about $90 a month to $1,657 in 2022, while the average benefit for a retired couple will grow $144 a month to $2,753.  However, since most Medicare Part B monthly premiums are automatically deducted from Social Security checks, the “real” cash increase each month is far less.  This follows a disturbing trend of Social Security increases not keeping up with “real” inflation when adjusted for time and of course, the impact of ever-increasing Medicare out-of-pocket expenditures.

The Senior Citizens League released a report asserting that very premise about a month ago, and you can find it by clicking here.

2022 IRMAA Tables

IRMAA stands for Income Related Monthly Adjustment Amount.  The feds look back at your IRS-reported income two years to figure out whether you’ll pay more premium money for your Medicare Part B and Medicare Part D premiums.

No one likes IRMAA.  She’s been with us for a little over a decade and first started charging people more for their Medicare Part B premiums in 2007. She started charging more for Medicare Part D in 2011.

If you’re turning 65 or considering getting Medicare for the first time in the next few years, you need to pay attention to her.  IRMAA becomes really important for tax-planning purposes two years before you get Medicare.  If you’re in a higher-income bracket or are selling a home, just sold a home and will get Medicare in two years or less, you should really work with your accountant or a financial planner to make sure you lower your IRMAA exposure two years before you get Medicare, and every year thereafter.

2022 Medicare Part D IRMAA

2022 Medicare Part D income

2022 Medicare Part B IRMAA


When Are IRMAA Notifications Sent?

There’s no one month or particular date you could get a letter informing you your Medicare Part B or Medicare Part D premiums could be higher due to IRMAA.  You can get a notice from the Social Security Administration at any time of the year. If the SSA decides that an IRMAA applies to your Medicare premiums, you’ll receive a predetermination notice in the mail.

If you get a notice, about twenty days later you’ll get an initial determination, which has more information about paying the surcharge and outlines the appeals process.

If you don’t appeal, Medicare will automatically add the IRMAA surcharges to your monthly Medicare Part B and Medicare Part D monthly premiums.

You Can and Should Appeal Any IRMAA determination

Don’t forget you can appeal an IRMAA determination.  You can appeal for a variety of reasons.

  • Death of spouse
  • Marriage
  • Divorce or annulment
  • Work reduction
  • Work stoppage
  • Loss of income from income producing property
  • Loss or reduction of certain kinds of pension income
  • You think the determination is incorrect or wrong

If you disagree with the way the Social Security Administration has processed your tax information or simply think it’s wrong, file an appeal. You can save hundreds of dollars a year if they favorably redetermine your income. In other words, if you think you’re being charged too much, you can appeal it.   To begin an appeal, call the Social Security Administration phone number at 800-772-1213. As you can imagine, in true bureaucratic fashion, there’s a form to fill out. You can request an appeal in writing by completing a Request for Reconsideration (Form SSA-561-U2), or you may contact your local Social Security office to file your appeal. Head over to PrepareforMedicare.com/links for the form; it’s about half-way down the page under “IRMAA appeal form.”

If you have a “Life Changing Event” AND you have a more recent tax return showing you are BELOW the IRMAA levels, you’d use a different one (Form SSA-44).


Jill, thanks again for the question!

I love answering Medicare questions.  Send me yours at http://prepareformedicare.com/contact/and I’ll pick a few for a future blog post!

To your wealth, wisdom, and wellness!

-matt feret


Author Bio: Matt Feret is the author of the Prepare for Medicare book series and launched prepareformedicare.com to help people get objective answers to questions about Medicare. He’s also the host of The Matt Feret Show.

He’s held leadership roles at numerous Fortune 500 Medicare health insurers in sales, marketing, operations, product development and strategy for over 20 years.  Matt holds a BA from Virginia Tech and an MHA from Washington University in St. Louis. 

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