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2027 Medicare premiums are based on your 2025 income

Retired, but Medicare is charging you like you still work? Get the surcharge back.

The Medicare income surcharge (IRMAA) looks back two years. If you stopped or cut back work, married, divorced, or lost a spouse or a pension, Form SSA-44 asks Social Security to use your lower income instead. See in two minutes if you qualify and what it's worth.

  • 5.1 million people paid the Part B surcharge in 2025
  • Up to $7,190 a year per person in 2027 (projected)
  • 8 events qualify, and retiring is one
1 · Your IRMAA letter

MAGI = adjusted gross income (Form 1040 line 11) plus tax-exempt interest (line 2a). Your letter names the tax year SSA used.

2 · What changed
3 · Your income since then

Enter MAGI for each year you know or can estimate. A year you haven't filed yet is an estimate; SSA checks it with the IRS later.

Nothing you type leaves this page. No account, no Social Security number.

What you'll see

Your current surcharge, whether your event qualifies, and how much a granted SSA-44 would save your household a year.

The $19 kit adds the exact entry for every step of Form SSA-44, the tax year to use and why, the evidence to attach, letters you can sign, and calendar reminders.

Which events count

Only eight: marriage, divorce, death of a spouse, work stoppage, work reduction, loss of income property, loss of pension income, and an employer settlement. A Roth conversion or a stock sale doesn't count.

Which year to write

The form wants the premium year if your income is lower this year than last year, otherwise last year. Picking the wrong one is the most common reason people get denied.

What to attach

Proof of the event (an employer letter works for retiring) and proof of income: your signed return or an IRS transcript, or an estimate you confirm after you file.

Part of Letter Desk, free checks for retirement-age letters: ClawbackCheck · IRMAAback · PartBfair