If your income is above certain thresholds, you will pay IRMAA, a surcharge on Medicare Part B and D premiums. The amount is determined by income reported two years prior. This adjustment impacts both Original Medicare and Medicare Advantage. Check the 2025 IRMAA brackets here, along with comparisons for 2024 and 2026. https://www.federalpensionadvisors.com/post/2025-irmaa-brackets