Medicare Advantage and IRMAA: do you still pay?
By Elder PaperworkUpdated
Short answer
Yes. IRMAA applies if you have Part B and a Medicare Advantage plan with drug coverage.
The Part D amount is withheld from your benefit, however you pay your plan premium.
The 2026 amounts are the same as for everyone else.
Sources: POMS HI 01101.001; CMS, November 14, 2025. Read November 4, 2026.
Key facts
Does IRMAA apply with Medicare Advantage?
Yes. Social Security’s rules list people with Part B and a Medicare Advantage drug plan as subject to IRMAA.
Do I still pay the Part B premium?
Yes. Your total Part B premium includes the standard premium plus any IRMAA.
Some Medicare Advantage plans reduce it. Social Security subtracts that reduction.
How is the drug part paid?
The Part D IRMAA is withheld from your Social Security or OPM benefit, however you pay your plan.
| Single | Joint | Part D extra |
|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 |
| Up to $137,000 | Up to $274,000 | $14.50 |
| Up to $171,000 | Up to $342,000 | $37.50 |
| Up to $205,000 | Up to $410,000 | $60.40 |
| Under $500,000 | Under $750,000 | $83.30 |
| $500,000 or more | $750,000 or more | $91.00 |
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Check my savingsCan I lower it?
Yes, the same way as with Original Medicare. A life-changing event can lead to a new decision.
Questions
Does Medicare Advantage avoid IRMAA?
No. IRMAA applies with Part B and a Medicare Advantage drug plan.
Do I pay IRMAA to my plan?
No. Social Security withholds it from your benefit.
Are the amounts different?
No. The 2026 CMS amounts are the same.