If inflation runs 0% for the next 11 months, then the IRMAA bracket would be $210,000. $0 for the first 60 days of each benefit period. The Medicare Income-Related Monthly Adjustment Amount (IRMAA) is an amount Medicare beneficiaries pay in addition to your Part B or Part D premium if their income is above a certain level. Here are the brackets for 2022: Individual: Married Filing Jointly: Married Filing Separate: Part B Monthly Premium: Part D Monthly Premium: $91,000 or less: $182,000 or less:. That’s $15,651 that will stay in their pocket. This establishes how much of your Medicare Part B and D premiums you must pay out, based on the MAGI income range. IRMAA stands for Income Related Monthly Adjustment Amounts. The question you must ask yourself… Do you want to control your Medicare costs, save your Social Security benefit and limit the amount of taxes you will pay in retirement?. As we approach the end of another year, it’s essential for Medicare beneficiaries to. This is where things get tricky. 1. 90 in 2023, which is down $5. 37%: Co-Insurance days 91 > 3. $97,000 or less. Individual MAGI Couple MAGI Part B Premium; $80,000. 2023 IRMAA Brackets. 10 ; $340. High-income households pay an extra charge—IRMAA—on top of the standard Medicare premium. The 2024 IRMAA brackets depend on the monthly CPI-U (and so inflation) from September 2022 to August 2023. 70. If you’ve got a good handle on that, then here’s what I meant by my quote, “if you make a lot of money or have a lot of money, you pay more for Medicare. 2023 IRMAA brackets can increase monthly Medicare Part B premiums by as much as $395. When contributing the maximum, over a 35 year time horizon, traditional savings @ 37% is just about equal to Roth (within a couple percent) when the withdrawal tax rate is in the mid. 30. 10 in 2029. Married Submitting Collectively: >= $750,000. The average total Part D premium is the sum of the average basic premium and the average supplemental premium for plans with enhanced coverage and is the most accurate current projection of what. 80 more than the $164. This is the ultimate guide to the 2023 IRMAA brackets (and 2024 projected). In 2024, if your income is more than $103,000 per year, you’ll pay an IRMAA of $12. In 2024, that standard Part B premium sits at $174. paid in 2022 or prior years? A: In addition to a completed, signed application (enclosed), send a copy of your SSA notice. In addition, all individuals pay a surcharge of $170. lifetime reserve days. IRMAA brackets. Our 2021 income was going to escalate my premiums by two levels with Aunt IRMAA—or so I was initially informed. The tax rate schedules for 2023 will be as follows. 90 in 2023, a 5. The Part B premiums and deductible reflect the provisions of the Continuing. Note: The income levels used by Medicare to determine the 2024 rate will be from 2022 tax returns, unless a lower amount is requested in connection with a life-changing event . Individuals enrolled in Medicare Part B, which covers doctor visits and other outpatient services, will pay a monthly premium of $164. 90 for Medicare Part D IRMAA rates for 2022. 1. 2. 70 for 2024, an increase of $9. 8% from $32. The annual deductible for all Medicare Part B enrollees in 2024 will be $240, an increase of $14 from the 2023 deductible of $226. 30 $578. m. If your income reduced in 2023 or 2024, but you still end up in the same income range as shown on your 2022 tax return…then an appeal won’t help you. Here are the brackets for 2022: Projected IRMAA brackets for 2023 2. Conversions will increase my MAGI into a higher IRMAA bracket. The possible 2024 IRMAA Brackets (not official)The Centers for Medicare & Medicaid Services (CMS) today announced that the average basic monthly premium for standard Medicare Part D coverage is projected to be approximately $31. 3rd Surcharge Bracket: 7. For 2023, IRMAA kicks in if your 2021 MAGI was over $97,000; for married couples filing joint tax returns, above $194,000. The monthly premium for that tier will be $230. Learn more about Medicare For more helpful information on Medicare, check out these frequently asked questions about Medicare plans. It selects all applicable data, runs its calculations, and returns an easy-to-read. IRMAA: Medicare Floors. The Centers for Medicare/Medicaid Services ( CMS) defines income as: “adjusted gross income plus any tax-exempt interest”. IRMAA Medicare retirement Social Security [PODCAST] The IRMAA Tax — Hidden, Nasty, Retroactive. The SSA provides a chart to show you what you can expect in 2023. The Social Security Administration (SSA) uses tax return information from two years prior to determine IRMAA brackets and subsequent premium amounts. 70 in 2024, an increase of $9. IRMAA is a consideration with two parts of Medicare — Part B and Part D. Filing as an individual with income. Individual Income Tax Rate Brackets Married Filing Jointly and Surviving Spouses Projected 2024 Tax Rate Bracket Income Ranges. This change in the IRMAAs will allow more people to take advantage of the standard rate rather than paying the next tier. Historical Medicare IRMAA Brackets 2007 – 2023. Source: Medicare Costs, Medicare. It is a progressive table, so the higher your income the higher your premiums will be. 70 per month. The standard monthly premium for Medicare Part B enrollees will be $174. As noted in the Centers for Medicare & Medicaid Services’ Sept. The standard premium for Medicare Part B is $174. Since CMS is finalizing a phase in of the 2024 model, the 4. 10. This legislation reduced taxes for many people and corporations. The income brackets for high-income premium adjustments for Medicare Part B and D start at $91,000 for a single person, but this threshold is expected to increase to $97,000 or $98,000 in 2023. The penultimate bracket is for those whose income was between $170,000 and $500,000 ($340,000 to $750,000 for joint filers) will pay a monthly premium of. For calendar year 2023,. The 2022 Medicare Part B premium will be $170. 2024 IRMAA Brackets. 60 per month for Medicare Part B in 2024. 90 in 2023, a decrease of $5. The standard deduction is the fixed amount the IRS allows you to deduct from your annual income even if you don’t itemize your tax return. For 2024, if your income is greater than $103,000 and less than $397,000 the IRMAA amount is $384. 50 per month (also a decrease from 2022). There are two numbers used to determine MAGI for IRMAA calculations. Tell the representative you want to lower your Medicare Income-Related Monthly Adjustment Amount (IRMAA) due to a life-changing event. 10% – $0 to $23,200The cumulative tax rate will be 24% if they convert $165,000 and stop before the second IRMAA tier, 26% if they convert $230,000 and stop before the third IRMAA tier, and so on. 50. 30 $409,000 or greater $578. Posts: 243. Beginning in 2023, certain Medicare enrollees who are 36 months post kidney transplant, and therefore are no longer eligible for full Medicare coverage, can elect to continue Part B coverage of immunosuppressive drugs by paying a premium. In 2023, the standard premium is $164. 70 in 2024, an increase of $9. The annual deductible for all Medicare Part B beneficiaries is $203 in 2021, an increase of $5 from the annual deductible of $198 in 2020. Please reference our IRMAA article for more information. lifetime reserve days. 80 from $164. Nov 14, 2023, 10:12am EST. If an individual or married couple filing separately earns above $97,000, or if a married. Doing so can help keep you in a lower IRMAA bracket in subsequent. 2. gov. How much more depends on how much you exceed these numbers. The lower your taxable income is, the lower your tax bill. If inflation is 0% through August 2022, these will be the 2023 numbers:" Part B Premium 2022 Coverage (2020 Income) Married Filing Jointly: <= $182,000 2023 Coverage (2021 Income) Marginal Rates: For tax year 2023, the top tax rate remains 37% for individual single taxpayers with incomes greater than $578,125 ($693,750 for married couples filing jointly). . This notice includes information about Social Security's determination and appeal rights. These tables are used to adjust Medicare premiums based on adjusted gross income. This is down $5. The revenue brackets are the identical. Oversimplifying, our taxable. These figures change annually with. 10 per month. These are known as IRMAA brackets, or IRMAA thresholds. 60 plus $12. The 2023 IRMAA brackets max out at $500,000 for individuals and $750,000 for the married filing status. Similarly, MAGI in 2022 and IRMAA 2024 tiers (published in November 2023) will determine Medicare premiums to be paid in. Facebook; Twitter;. When IRS supplies SSA with the tax filing status of “Married, Filing Separately,” SSA assumes the couple lived together at some point in the tax year and uses the “Married, Filing Separately” Table (See HI 01101. The good news, however, is that the IRMAA brackets are also indexed for inflation. The Social Security Administration (SSA) uses Federal income tax return information from the Internal Revenue Service (IRS) about beneficiaries’ modified adjusted gross income (MAGI) to make IRMAA determinations (see HI 01101. The Social Security Administration (SSA) makes initial determinations whether the income-related monthly adjustment amount (IRMAA) applies to Medicare beneficiaries with Part B, or Medicare prescription drug coverage (or both if enrolled in both at the time a determination is. I'm leaning towards 103K. Greater-income Medicare beneficiaries additionally pay a surcharge for Half D. What it is, is a surcharge that is added to your monthly Medicare costs, that is based on the amount of income you are receiving in retirement. Early Retirement & Financial Independence Community > Community Forums > FIRE and Money: Updated IRMAA estimates for 2025. Here’s how it works. 80 from $164. Nov 21, 2023, 10:09am EST. and this is the frustration - the inflation year goes from Sept 2023 - August 2024. 2021 Joint tax return. There are two numbers used to determine MAGI for IRMAA calculations. 20 to $1. Lifetime reserve days. The Part B premiums and deductible reflect the provisions of the Continuing. I’m also sharing: What is IRMAA (and what does it stand for) How IRMAA. You’d pay a surcharge of $937 in. Medicare IRMAA is a monthly adjustment amount that higher income earners must pay more for Part B and D premiums. I'm leaning towards 103K. 40. the IRMAA brackets (what I’ve been calling thresholds) are only inflation indexed AFAIK. Marginal Rates: For tax year 2023, the top tax rate remains 37% for individual single taxpayers with incomes greater than $578,125 ($693,750 for married couples filing jointly). That surcharge is equal to 3. The impact is simple, the more you make the higher your Medicare costs. , two years prior), which is $100,788 ($113,788 − $13,000) for this client. 20 from $170. 2023 IRMAA Brackets. 13 the Social Security Administration set an 8. 60 in 2020. April 1, 2023: People with Traditional Medicare and Medicare Advantage may pay a lower coinsurance for certain Part B drugs with price increases higher than inflation. IRMAA charges affect. This expected amount is a decrease of 1. The annual deductible for all Medicare Part B beneficiaries is $203 in 2021, an increase of $5 from the annual deductible of $198 in 2020. The changes are meant to. 70 per month in 2024. 01-$408,999. That’s equal to a 32% tax rate on my $5,000 in capital gains. The annual deductible for all Medicare Part B beneficiaries will be $240. For 2022 the Medicare premium IRMAA brackets, based on 2020 MAGI, are:. 36%. In 2023, with the inflation adjustment to the IRMAA brackets, you will no longer have a Part D or Part B IRMAA payment. Then there was another $31. Each year, the Medicare Part B premium, deductible, and coinsurance rates are determined according to provisions of the Social Security Act. 80 more than the $164. For IRMAA determination purposes, MAGI is used to determine how much (if any) surcharge will be applied to your Medicare premiums. This can add up to $839 more a year for Part B — in addition to the. The Medicare Part A premiums will be $5. 2024 Medicare IRMAA (Income-Related Monthly Adjustment Amount) amounts are increased premiums higher income earners must pay for Medicare Part B and Part D benefits. What Are the IRMAA 2023 Brackets (and How to Avoid It!) By: Taylor Schulte November 6, 2023. Suppose you’re single and your 2021 modified adjusted gross income placed you at the top of the first 2023 IRMAA bracket, which is $97,000 to $123,000. 37%: Co-Insurance days 61 – 90: 3. Oct 15, 2022Sep 13, 2023For higher-income beneficiaries, a surcharge known as the income-related monthly adjustment amount, or IRMAA, is added on top of the standard premium for. However, without further legislative action, the tax cuts are set to expire at the end of 2025 and 2026 tax rates and tax brackets will be higher for most households. The standard monthly premium for Medicare Part B enrollees will be $174. Today, the Centers for Medicare & Medicaid Services (CMS) released the Announcement of Calendar Year (CY) 2023 Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies (the Rate Announcement). Due to the projected costs being lower than the predictions, Medicare beneficiaries will pay a lower cost for the Medicare Part B deductible and monthly premium. The surcharge is calculated based on tax returns you reported from two years prior: meaning your 2022 income determines your IRMAA in 2024, your 2023 income determines your IRMAA in 2025, and so on. 20 a year. The issue, though, is that your Social Security benefit pays for these IRMAA surcharges automatically. Supply: Medicare Prices, Medicare. gov. IRMAA and Medicare costs are no joke, so financial professionals need to stay informed to help their clients plan for the future. 7 percent cost-of-living increase for benefits. You'll get this notice if you have Medicare Part B and/or Part D and Social Security determines that any Income Related Monthly Adjustment Amounts (IRMAA) apply to you. Medicare Part B covers medical services such as doctor visits, outpatient care, and preventive services. IRMAA can apply to either Medicare Part B or Medicare Part D premiums. They are including 85% of their Social Security in their taxable income and are in the 22% tax bracket for 2023. The annual deductible for all Medicare Part B beneficiaries is $198 in 2020, an increase of $13 from. 70 for 2024, an increase of $9. The annual surcharges for a couple who reached IRMAA In 2023 are: 2023 IRMAA Surcharges : 1st Bracket: 2nd Bracket: 3rd Bracket: 4th Bracket: 5th Bracket: Couple: $1,876: $4,714:. There are 5 IRMAA revenue brackets relying in your revenue and submitting standing. There are five IRMAA income brackets depending on your income and filing status. 90 each month on top of the cost of your Part D premium. You pay higher Medicare Part B and Part D premiums if your income exceeds certain thresholds. January 1, 2023: Began the first quarterly period for which drug companies will be required to pay rebates for raising prices that outpace inflation on certain Part B drugs. IOW, what I pay in 2023 is based on my MAGI in 2021. Medicare’s IRMAA Brackets from 2007 to 2022. The Part B basic premium in calendar year 2023 is scheduled to be $164. and this is the frustration - the inflation year goes from Sept 2023 - August 2024. 60 and $594. 60 in 2020. File joint tax return. The MAGI thresholds used for IRMAA calculations are: To Link to this section - Use this URL: HI 01101. For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 of extended care services in a. 80 from $164. For 2023, the immunosuppressive drug premium is $97. 02%. [RELATED: 2023 Medicare Part B Rates Announced] IRMAA brackets are different from tax brackets. 2023 Tax Table 2023 Tax Rate Single Married Filing Joint 10% $0 to $11,000 $0 to $22,000 12% $11,000 to $44,725 $22,000 to $89,450 22% $44,725 to $95,375 $89,450 to $190,750 24% $95,375 […]In 2023, Medicare beneficiaries with a modified adjusted gross income above $97,000 have an income-related monthly adjustment (IRMAA) added to their Medicare Part B premiums. Here are the 2024 IRMAA amounts for married taxpayers that file separately: Part B Coverage. For any other filing status, the threshold is $97,000. 40 in additional monthly premiums for Medicare Part D prescription drug coverage. What are the 2023 IRMAA Brackets. 27 that the standard Part B premium will go down in 2023, to $164. The resulting answer is the total amount you will pay (standard premium plus. Standard monthly premium: $164. Editor’s Note: The Centers for Medicare & Medicaid Services announced Sept. 30 . Once you cross these thresholds, you will pay more for coverage. 1. 30 $544. 50 in this bracket in 2023. A more in depth look at what counts towards IRMAA:Since advised clients tend to have higher income than the average population, most will be subject to surcharges at some point in retirement. Single, head–of–household, or qualifying surviving spouse with dependent child tax filing status. The current Medicare costs and IRMAA brackets can be found at this link. 70. Annual deductible: $226 in 2023, a decrease of $7 from the annual deductible of $233 in 2022. 033: IRMAA and Equitable Relief: TN 4 07-11: HI 01101. If inflation is 0% from June 2022 through August 2023, these will be the 2024 numbers"So, your 2023 income will determine if you must pay higher premiums in 2025, your 2024 income will determine what your premiums will be in 2026, etc. 50 per. 00. The IRMAA 2023 threshold for married couples is $194,000. Other beneficiaries pay Income-Related Monthly Adjustment Amounts (IRMAA), which vary by income level. 44% estimated MA risk score trend included in the 2024 Rate Announcement Fact Sheet is calculated using a blend of 67% of the MA risk score trend calculated with the current model (the 2020 model, 5. Thankfully they are under IRMAA, but by age 84 they will reach that first bracket. These rates also increased for 2024, and the rate brackets have been updated:. Joint filers should each submit one. Hit enter to search or ESC to close. with 27%, 22%, 24%, and 27. 90 in 2023. If you happen to reach IRMAA in any given year you will be notified by the Social Security Administration. IRA at what will be most likely higher tax brackets. Put another way, this 3. . According to latest Medicare Board of Trustees report from the IRMAA brackets will increase by over 6. Take a married senior couple whose MAGI in 2021 was $306,200 (just $200 over the 2023 IRMAA threshold). Medicare Open Enrollment and Medicare Savings Programs Greater than $366,000 and less than $750,000. The income brackets that trigger IRMAA surcharges increased from $86,000 for single taxpayers and $176,000 for married couples in effect in 2021. 50 for those with IRMAAs equal to or greater. Therefore, the majority of people turning 65 will find their income newly assessed against the IRMAA brackets which determine their premium above and beyond the 2021 $148. That is one of the "annoying' things about IRMAA. Here are the IRMAA income brackets for 2022 2023, and 2024. 90 in 2023. The maximum zero rate amount cutoff is $89,250. Normally we make under $100,000/year filing jointly but a sale of investment property threw us into a much higher bracket. To illustrate this challenge, note that numerical examples here use the 2023 tiers, based on 2021 income, but it is likely (e. 10, that results in IRMAA-affected beneficiaries paying. It’s how it works! As you’re probably aware, the standard premium for Medicare Part B is $170. As a reminder, your 2021 Modified Adjusted Gross Income (MAGI) determines your 2023 IRMAA bracket. 2. Reducing Future IRMAA for Medicare Surcharges – 2022 & 2023 Taxes. IRMAA 2023 presents a complex landscape for higher income earners navigating Medicare costs. 65%. Single: $97,000: Married couple filing separately: $97,000: Married couple filing jointly: $194,000: MAGI brackets for 2023 IRMAA surcharges. Married Submitting Collectively: >= $750,000. 90 in 2023. 90 per month. The 2023 bracket increase should be higher than last year, due to inflation. IRMAA Percentage Tables, Medicare Part B Premium Year 2023 1. If they complete a Roth conversion of $256,550 to max the 24% bracket, they would save $15,651 in federal taxes by performing the conversion in the next three years instead of waiting until after 2025. ( Check out the 2023 Part D IRMAA amounts here . For 2023, the standard Medicare Part B premium is $164. ee_guy. 50 in 2019. Previous Post Medicare IRMAA 2023 Brackets: Decoding Monthly IRMAA Premiums and Social Security Next Post [PODCAST] What Everyone is Missing about IRMAA Planning with Sara Grillo Related Posts. 5% 25. Married Submitting Individually >= $403,000. in English and other languages. From 2022 to 2023 the CPI-U, if inflation remains constant, will increase by 5. g. If taxable income is over $89,450 but. If you are in one of the higher income brackets for the Part B IRMAAs, there is an additional IRMAA for the Part D Drug Coverage. $19,250 of the qualified dividends and long-term capital gains ($89,250 – $70,000) is taxed at 0%. For 2023, the immunosuppressive drug premium is $97. This step also asks for the date that the event took place, because it must be in the same tax year or an earlier tax year than the one you ask SSA to consider. IRMAA calculation for 2023 uses the modified adjusted gross income (MAGI) on your most recent tax return to set. The usual Half B premium will likely be $164. The IRMAA Brackets for 2023. Premiums can be higher or lower than the basic premium for enrollees who receive Part B benefits through the Medicare Advantage program. For those unaware of IRMAA, the two-year lag can create unpleasant surprises when you first enroll in Medicare—especially if your. Individuals in the lowest IRMAA tier will save $62. In fact, the definition of income, when it comes to IRMAA is extremely broad. Since I already have a blog post about IRMAA, which outlines the 2022 IRMAA brackets and thresholds, click that link to see what they are if you need to. To decide your IRMAA, we asked the Internal Revenue Service (IRS) about your adjusted gross income plus certain tax-exempt income which we call "modified adjusted gross income" or MAGI from the Federal income tax return you filed for tax year 2021. 08 in 2022. Their RMD will total just over $15,000. IRMAA is reassessed each year, so whether you’re subject to IRMAA and which bracket you fall into can change from year to year. The MAGI used to determine if the income-related monthly adjustment amount (IRMAA) applies is the most recent tax information that IRS is able to provide. Once you cross these thresholds, you will pay more for coverage. August 25, 2023 August 26, 2023. 40% they will also be receiving $48,000 a year too. refer to the two 2023 tables below for the entire breakdown of IRMAA Medicare surcharge brackets for Parts B and D. The annual deductible for all Medicare Part B beneficiaries will be $240 in. 2023 IRMAA Brackets. 4th. For 2023, IRMAA kicks in if your 2021 MAGI was over $97,000; for married couples filing joint tax returns, above $194,000. The amount of. The standard Part B premium is $164. IRMAA 2022 annual reimbursements will be issued during the 3rd week of October 2023. Roth Conversion Amount. 80 from $164. The size of the surcharge is based on a sliding scale and increases with each of five IRMAA-related income brackets. 10 in 2022. Click here for the form. This is called the Income Related. To decide your IRMAA, we asked the Internal Revenue Service (IRS) about your adjusted gross income plus certain tax-exempt income which we call "modified adjusted gross income" or MAGI from the Federal income tax return you filed for tax year 2021. The Premium Amounts per IRMAA Bracket: According to the Medicare Board Trustees Report from 2019, the surcharges will inflate at as follows through 2028: Part B – 6. 50 for 2019, an increase of $1. And it might be through Sept CPI of the prior year (annual Sept. 8301 wrote: ↑ Sun Feb 12, 2023 1:57 am With a Roth conversion of the amount equal to an RMD, we will climb into the next tax bracket and the next IRMAA tier. $1,600 deductible per benefit period. Call TTY +1 800-325-0778 if you're deaf or hard of hearing. 6% and, at $23,000 over, the tax rate is 18. The income brackets are the same. Nancy Murphy, a senior wealth strategist at Charles Schwab with a focus on estate planning, joins host Mike Townsend. If your MAGI is above a certain amount, however, you may need to pay an "Income-Related Monthly Adjustment Amount" (IRMAA-B). This means that the IRMAA Brackets, by law, will. Here are the brackets for 2023: 2021 Individual tax. There are five IRMAA income brackets depending on your income and filing status. Part B IRMAA is calculated by multiplying the average expenditure (which is the standard premium multiplied by 4) by the subsidy percentage assigned to a particular income bracket. Individual $103,000 or less/MFJ $206,000 or less – No surcharge; Individual $129,000 or less/MFJ $258,000 or less – Medicare Part B $244. Most people do not pay any premium for Medicare Part A, but even. Continuing inflation and a shift in policy for the drug Aduhelm will change Medicare’s income-related monthly adjusted amount (IRMAA) brackets and the 2023. For 2023, IRMAA kicks in if your 2021 MAGI was over $97,000; for married couples filing joint tax returns, above $194,000. 20 per month or -3. The standard monthly premium for Medicare Part B enrollees will be $174. The usual Half B premium is $164. In 2023, beneficiaries must pay a coinsurance amount of $400 per day for the 61 st through 90 th day of a hospitalization ($389 in 2022) in a benefit period and $800 per day for lifetime reserve days ($778 in 2022). This will throw you into the top IRMAA bracket, increasing your spouse and your monthly 2024 Medicare Part B premiums to $578. Here are the IRMAA income brackets for 2022 2023, and 2024. No coding skills required; just pick a template and start designing. 25, 2023 (GLOBE NEWSWIRE) -- IRMAA Certified Planner is proud to announce that FINRA, The Financial Industry Regulatory Authority, is. SSA determines if you owe an IRMAA based on the. For my friend, Social Security will use his 2021 estimated income to calculate 2022’s IRMAA surcharge and then, for 2023, use his actual 2021 tax return. If you fall into one of the high-income categories—more than $103,000 for individuals and $206,000 for couples—the. 90. The Parts and Costs of Medicare in 2023, according to Medicare. Roth Conversion with Social Security and Medicare IRMAA. Medicare’s Income Related Monthly Adjustment Amount ( IRMAA) is quickly becoming a problem for retirees and by government projections it will not slow down in the near future too. 90 Medicare Prescription Drug Coverage (Part D) Extra Help Eligibility Requirements: Individual must: • be entitled to Part A or Part B (or. That income falls within the 12% marginal federal income tax rate, which is low. Substantial Gainful Activity (2023): $1,470 per month for people who are not blind $2,460 per month for people who are blind Trial Work Period Service Month (2023):. the beneficiary’s adjusted gross income (AGI) (found on line 11 of the Internal Revenue Service (IRS) tax filing form 1040), plus. Thankfully,. You’d pay a surcharge of $937 in 2023. According to federal regulations IRMAA Brackets were to remain level starting in 2017 through at least 2028.