Navigating the Medicare IRMAA Surcharge: What You Need to Know (2025 Guide)

If you’re approaching retirement or already enrolled in Medicare, understanding the Income-Related Monthly Adjustment Amount (IRMAA) is crucial for managing healthcare costs. Recent updates from the Centers for Medicare and Medicaid Services mean some beneficiaries may see higher premiums in 2025. But how is IRMAA determined, and can you take steps to reduce its impact?

In our latest Investing 101 video series, Armbruster Capital Management breaks down the essentials—covering income thresholds, the calculation process, and proactive strategies for financial planning. Watch now to take control of your Medicare costs and make informed decisions about your retirement.

For more information about IRMAA, check out our blog post , The Government’s Sneaky Tax Mistress: IRMAA and subscribe to our YouTube Channel for more expert insights and Investing 101 content, including the video, What is a QCD? Qualified Charitable Distributions Explained (2025 Guide)