2026 Medicare
IRMAA Calculator
IRMAA is an income-related surcharge added to Medicare Part B and Part D premiums. In 2026 it starts above $109,000 MAGI (single) or $218,000 (married), based on your income from 2024. Enter your income below to estimate it.
Higher-income Medicare beneficiaries pay more for Part B and Part D through IRMAA — an income-related surcharge. Enter your income and filing status below to estimate your 2026 surcharge.
Income-Based Surcharges
IRMAA adds to your Medicare Part B and Part D premiums based on your income.
Based on 2024 Tax Return
Medicare looks at your 2024 income to determine your 2026 IRMAA.
Income Dropped?
You may qualify for a lower IRMAA. Ask us about appealing with Form SSA-44.
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Your 2026 IRMAA estimate
Enter your details to see an estimate.
2026 IRMAA brackets — single filers
| 2024 MAGI (single) | Monthly Part B | Monthly Part D surcharge |
|---|---|---|
| ≤ $109,000 | $202.90 | $0.00 |
| $109,001 – $137,000 | $284.10 | $14.50 |
| $137,001 – $171,000 | $405.80 | $37.50 |
| $171,001 – $205,000 | $527.50 | $60.40 |
| $205,001 – $500,000 | $649.20 | $83.30 |
| > $500,000 | $689.90 | $91.00 |
2026 Medicare IRMAA, single filers. Married-filing-jointly thresholds are roughly double.
How IRMAA Works
IRMAA is based on your modified adjusted gross income — your adjusted gross income plus any tax-exempt interest. Because of the two-year lookback, a big one-time income event (selling a home, a Roth conversion, capital gains) can push you into IRMAA even if your current income is lower.
Social Security Looks Back Two Years
Social Security looks back at your tax return from two years ago to decide whether you owe IRMAA today.
Higher Income Means Higher Premiums
If your income is above the first threshold, a surcharge is added to both your Part B premium and your Part D premium.
Life-Changing Event?
Retirement, marriage, divorce, or the death of a spouse may reduce your IRMAA if your income has dropped.
Learn more →You Can Appeal
You can appeal with Form SSA-44 if a qualifying life event caused your income to decrease.
Learn more →Frequently Asked Questions
What is IRMAA?
What income does 2026 IRMAA use?
How do I appeal or lower my IRMAA?
Sources
- Medicare costs at a glance — Medicare.gov
- Medicare premiums & income brackets (IRMAA) — Social Security Administration
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