IRMAA Appeal Assistant
Guide to appealing your IRMAA determination
If you've experienced a life-changing event like retirement, marriage, divorce, or income loss, you may qualify to appeal your IRMAA determination and reduce your Medicare premiums. Social Security uses a two-year lookback period, so a major income change this year may not be reflected in your current premiums—but you can request a reconsideration using Form SSA-44. This tool helps you determine if you qualify and guides you through the appeal process.
To understand IRMAA brackets and income thresholds for 2025-2026, visit our IRMAA brackets guide. For broader Medicare cost planning, see our hidden IRMAA triggers article and explore our IRMAA Calculator to estimate your surcharges.
Appeal Eligibility Check
Life-Changing Events
IRMAA appeals are typically granted for major life events that significantly reduce your income, such as retirement, marriage, divorce, or loss of a spouse.
Answer the questions to check eligibility