THE NUMBERS BEHIND YOUR NEXT CHAPTER
2026 IRMAA Brackets and Medicare Premiums
Use the calculator below. Official data and estimates are clearly labeled.
Looking ahead? See the 2027 IRMAA brackets.
YOUR RESULTS
Start with your numbers. We’ll work through the rest.
Official 2026 IRMAA brackets Official
Per person, per month. Your Part D plan premium is additional. Scroll within each table on smaller screens.
Single / individual returns
Also used for head of household, qualifying surviving spouse, and married filing separately when you lived apart all year.
| 2024 MAGI range | Part B IRMAA | Total Part B premium | Part D IRMAA |
|---|---|---|---|
| ≤ $109,000 | $0.00 | $202.90 | $0.00 |
| > $109,000 and ≤ $137,000 | $81.20 | $284.10 | $14.50 |
| > $137,000 and ≤ $171,000 | $202.90 | $405.80 | $37.50 |
| > $171,000 and ≤ $205,000 | $324.60 | $527.50 | $60.40 |
| > $205,000 and < $500,000 | $446.30 | $649.20 | $83.30 |
| ≥ $500,000 | $487.00 | $689.90 | $91.00 |
Married filing jointly
Each spouse enrolled in Medicare pays their own applicable premium and adjustment.
| 2024 MAGI range | Part B IRMAA | Total Part B premium | Part D IRMAA |
|---|---|---|---|
| ≤ $218,000 | $0.00 | $202.90 | $0.00 |
| > $218,000 and ≤ $274,000 | $81.20 | $284.10 | $14.50 |
| > $274,000 and ≤ $342,000 | $202.90 | $405.80 | $37.50 |
| > $342,000 and ≤ $410,000 | $324.60 | $527.50 | $60.40 |
| > $410,000 and < $750,000 | $446.30 | $649.20 | $83.30 |
| ≥ $750,000 | $487.00 | $689.90 | $91.00 |
Married filing separately — lived with spouse
Use this schedule if you lived with your spouse at any time during the income year.
| 2024 MAGI range | Part B IRMAA | Total Part B premium | Part D IRMAA |
|---|---|---|---|
| ≤ $109,000 | $0.00 | $202.90 | $0.00 |
| > $109,000 and < $391,000 | $446.30 | $649.20 | $83.30 |
| ≥ $391,000 | $487.00 | $689.90 | $91.00 |
| Figure | 2026 | 2025 comparison |
|---|---|---|
| Part B standard monthly premium | $202.90 | $185.00 |
| Part B annual deductible | $283 | $257 |
| Part A inpatient hospital deductible | $1,736 | See CMS source |
The official Medicare income-related monthly adjustment amount, or IRMAA, depends on your tax-return income and filing status. The tables above separate the Part B surcharge from the total Part B premium and the additional Part D charge. All amounts are per person, per month. Use the calculator for your own income, and compare its result with your Social Security notice. A joint return determines the income tier, but each spouse enrolled in Medicare pays their own applicable premiums and adjustments.
Which income counts for 2026 IRMAA (the two-year lookback)
Social Security normally uses MAGI from your 2024 tax return to determine 2026 IRMAA. If that return is not available, it may use 2023. The SSA income tables describe this fallback. For IRMAA, MAGI means adjusted gross income plus tax-exempt interest. Use the amounts on your tax return, rather than taxable income after deductions or the amount deposited into your bank account.
This lookback also means income received during 2026 generally affects Medicare premiums in 2028. Retirement-account distributions, realized capital gains and tax-exempt interest can affect the income measure. The calculator does not retrieve a return or predict your future income. Keep the premium year and tax-return year together when comparing records, especially after a large transaction or a change in filing status.
IRMAA is a cliff
For a single filer with MAGI of $137,000, the total Part B premium is $284.10 and Part D IRMAA is $14.50. At $137,001, those amounts become $405.80 and $37.50. The whole next tier applies when income crosses the boundary; the surcharge is not calculated only on the extra dollar.
Most middle-tier upper limits include the stated income amount. The highest tier begins at its stated boundary, which is why the table uses different symbols near the top. Your distance to the next bracket is an arithmetic comparison, not a recommendation to change withdrawals or investments. Allow for uncertain income and check the exact boundary wording before using a scenario in a budget.
How to ask Social Security to lower your IRMAA (Form SSA-44)
If a qualifying life-changing event reduces household income, you can ask SSA for a new determination. The listed events include work stoppage or reduction, marriage, divorce or annulment, death of a spouse, loss of income-producing property, loss of pension income, and an employer settlement payment. Read SSA’s instructions for lowering IRMAA and Form SSA-44 for the applicable conditions and supporting evidence.
Keep your determination notice, documents showing the event, and a reasonable income estimate for the year SSA requests. A smaller current income does not automatically establish eligibility for this procedure. If the tax information was incorrect or amended, contact SSA about the appropriate review process. This educational calculator cannot file a request, approve a reduction, or replace your notice.
Part D IRMAA is separate from your plan premium
The Part D column shows only the income-related adjustment. It is paid to Medicare, even when you pay your drug plan’s premium directly to the plan. It also applies to Medicare Advantage plans that include prescription drug coverage. Add your plan premium separately when reviewing drug costs, and avoid counting a Part B total as if it included drug coverage.
If you only have Part B immunosuppressive drug coverage
The drug-only extension of Part B has a separate premium schedule. Its standard premium is $121.60, and its IRMAA amounts differ slightly from full Part B coverage. The small table below applies the same income ranges to this limited coverage. It does not describe full medical Part B benefits or the separate Part D drug-plan adjustment. Confirm which coverage appears on your notice.
Part B immunosuppressive-drug-only premiums Official
Limited coverage only. The calculator above uses full Part B coverage.
| Individual MAGI | Joint MAGI | Drug-only IRMAA | Drug-only total premium |
|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $0.00 | $121.60 |
| > $109,000 and ≤ $137,000 | > $218,000 and ≤ $274,000 | $81.10 | $202.70 |
| > $137,000 and ≤ $171,000 | > $274,000 and ≤ $342,000 | $202.70 | $324.30 |
| > $171,000 and ≤ $205,000 | > $342,000 and ≤ $410,000 | $324.30 | $445.90 |
| > $205,000 and < $500,000 | > $410,000 and < $750,000 | $445.90 | $567.50 |
| ≥ $500,000 | ≥ $750,000 | $486.50 | $608.10 |
| 2024 MAGI range | Drug-only IRMAA | Drug-only total premium |
|---|---|---|
| ≤ $109,000 | $0.00 | $121.60 |
| > $109,000 and < $391,000 | $445.90 | $567.50 |
| ≥ $391,000 | $486.50 | $608.10 |
2026 vs 2027 IRMAA brackets
The figures on this page are official for 2026. The 2027 IRMAA brackets page keeps projected boundaries separate from official reference amounts, and unknown surcharge amounts remain “Not yet released.” Use the year toggle or the 2027 IRMAA calculator to compare years. For related planning, see the Part B premium guide, the Social Security COLA calculator, and our sources and update log.
Frequently asked questions
What are the IRMAA brackets for 2026?
The first income boundary is $109,000 for individual filers and $218,000 for joint filers. Above those boundaries, the tables show the applicable Part B and Part D adjustments. Separate filers who lived with a spouse use their own schedule.
What income is used for 2026 IRMAA?
SSA generally uses 2024 MAGI, or 2023 if the newer return is unavailable. MAGI for this purpose is adjusted gross income plus tax-exempt interest.
What is the 2026 Part B premium?
The standard monthly premium is $202.90. A person subject to IRMAA pays the higher total shown for their income tier, before other individual adjustments.
How much is Part D IRMAA in 2026?
It ranges from $0.00 in the standard tier to $91.00 per month at the top. This charge is in addition to your plan’s premium.
Do married couples each pay IRMAA?
Yes. Each spouse enrolled in the relevant Medicare coverage pays their own adjustment. Filing jointly identifies the income tier; it does not combine two people’s premiums into one.
What if I’m married but file separately?
If you lived with your spouse at any time during the income year, use the married-filing-separately table. If you lived apart all year, the individual schedule applies.
Can I appeal IRMAA?
You can request SSA review. A qualifying life-changing event may support a new determination using Form SSA-44; other disagreements follow the process explained in your notice.
When will the 2027 brackets be released?
We have not verified a CMS publication of the official 2027 schedule. Check the linked 2027 page and sources log for updates; a projected boundary does not confirm a premium.
Sources
Educational, not financial advice. Estimates are not official. Confirm your own benefit, Medicare or tax determination with the responsible agency.