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Medicare Learning Hub

Clear explanations of Medicare. Learn about Part A, B, C, and D, avoid late enrollment penalties, calculate IRMAA surcharges, and explore programs to save on healthcare costs.

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Medicare IRMAA Premium Surcharge Calculator

Estimate your monthly Part B and Part D surcharges based on your modified adjusted gross income (MAGI) brackets.

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Medicare Late Enrollment Penalty Calculator

Calculate lifetime premium penalties for delayed signup of Part B or Part D and understand how to avoid them.

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Medicare Savings Programs Estimator

Find out if your income qualifies you for federal assistance to pay your Medicare premiums and copayments.

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Plain English Guides

Jun 28, 2026

What is Medicare IRMAA and How is it Calculated?

A plain English explanation of the Income-Related Monthly Adjustment Amount (IRMAA) surcharge and how to check if your income triggers higher premiums.

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