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The Income Related Monthly Adjusted Amount (IRMAA) refers to the additional cost attached to your monthly premium. This policy is for individuals with a higher income who wouldn’t qualify for other plans based on income.

The extra amount you pay is based on your Modified Adjusted Gross Income (MAGI) two years prior, as that directly relates to your annual earnings reported on your tax return. Therefore, you will add no costs to your monthly premium if you make less than a certain amount per year.



Your IRMAA premium is determined by your yearly income on your tax return the two years prior. Your MAGI is determined according to your annual earnings.WHY IRMAA?

Your IRMAA affects your premium payments for Medicare Part B (outpatient coverage) and Part D (prescription drug coverage).

For further information about IRMAAs and how they impact premium costs, contact our Medicare Specialist today.

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Dale Wondisford


15 Years experience helping hundreds of families get the best insurance policy to meet their needs.


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laina roy
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I have had the opportunity to have meet Dale approximately 7 years now. I have never had someone take the time to check what’s the best way to insure myself. He does a very in depth review of what was going on with health issues and the medications, in order to place me with an insurance that’s going to save on my costs
Mark Poff
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Dale is very knowledgeable and experienced working with the many offered medicare plans finding the best plan that benefits his clients which he did for my wife and I. I highly recommend Dale as I totally respect his judgement of which plan is best for the client.
Richard Hibbard
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Dale is really helpful he will get you a answer to any questions you may have. He even got on a three way call so we could hear what was going on. He always returns your call promptly. Dale is very knowledgeable about all types of insurance. Very friendly and no pressure tactics to buy. Would highly recommend Dale.