Louise Norris | medicareresources.org

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Changes to 2025 Medicare coverage include a $2,000 cap on Part D out-of-pocket costs, small reductions in the average premium for Medicare Advantage and Part D plans, increases for Medicare Part B and Part A premiums and cost-sharing, and adjustments to income-related premium surcharges for Part B and Part D.

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What is the income-related monthly adjusted amount (IRMAA)?

For 2023, high-income beneficiaries – earning over $97,000 a year – pay the income-related monthly adjusted amount (IRMAA) surcharge that’s added to their Part B and Part D premiums and determined by income from their income tax returns two years prior.

By shopping with third-party insurance agencies, you may be contacted by a licensed insurance agent from an independent agency that is not connected with or endorsed by the federal Medicare program.

These agents/agencies may not offer every plan available in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all options available.

Louise Norris has been writing about health insurance and health reform at The Colorado Health Insurance Insider since 2006.

She brings a broker’s perspective to the healthcare reform discussion, as she and her husband started their health insurance agency, Insurance Shoppers, Inc., in 2003 and have spent the last decade helping clients in Colorado find Medicare products and individual health insurance policies that meet their needs and budget.

Louise has written more than 120 opinions and educational pieces about Obamacare for healthinsurance.org and authored the site’s ACA Open Enrollment 2024 Guide and Insider’s Guide to Obamacare’s Special Enrollment Periods. The guides are filled with tips designed to help consumers select the right ACA-compliant coverage and spend less time doing it.