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Can you appeal your IRMAA surcharge?

A one-minute check, no account. Medicare's IRMAA surcharge is based on your income from two years ago. Form SSA-44 can lower it only when a specific "life-changing event" cut your income. Tell us what changed.

What changed that lowered your income?

I or my spouse stopped working or retired I or my spouse cut back on work My spouse died I got married I divorced or had my marriage annulled I or my spouse lost a pension An employer settlement (closure or bankruptcy) I lost income-producing property (disaster, theft) A one-time income event (home sale, Roth conversion, big withdrawal) Social Security used the wrong or outdated income None of these

A guide, not advice. Based on Form SSA-44 (12-2025) and Social Security POMS HI 01120.

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Independent self-help software that prepares Form SSA-44 from the answers you enter. Not Social Security, Medicare or the IRS, and not legal, tax or financial advice. Lower My IRMAA is operated by Owusu LLC.