Medicare IRMAA 2026 Brackets Calculator
Find your 2026 Medicare IRMAA surcharge by income. Enter your 2024 MAGI and filing status to see your Part B premium (base $202.90), Part D IRMAA surcharge, and the extra you pay per year versus a standard beneficiary.
- Data verified · July 2026
- Edited by Martín Rodríguez
- Formula verified by automated tests
- Private — runs on your device
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How to use this calculator
Follow this tool’s steps, then review its formula, assumptions, and limits below.
The surcharge is based on your modified adjusted gross income (MAGI) from two years earlier — so your 2026 premium is set by your 2024 tax return (AGI plus tax-exempt interest). Crossing a bracket by even $1 bumps you into the next tier for the whole year, which makes IRMAA a classic 'cliff.'
Enter your 2024 MAGI and filing status to see your 2026 Part B premium, your Part D IRMAA surcharge, and how much extra per year you pay compared with a standard beneficiary.
When to use this calculator
- Find your 2026 Medicare Part B premium by income.
- See your Part D IRMAA surcharge for 2026.
- Check which IRMAA tier your 2024 MAGI puts you in.
- Estimate the extra you'll pay per year versus a standard beneficiary.
- Plan Roth conversions or capital gains to stay under a bracket.
- Compare IRMAA for single vs married filing jointly.
- See the cost for a couple (each pays IRMAA separately).
- Understand why 2024 income sets your 2026 premium.
2026 Medicare IRMAA brackets (based on 2024 MAGI)
| 2024 MAGI — single | 2024 MAGI — married joint | Part B/month | Part D IRMAA/month |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 |
| $109,001–$137,000 | $218,001–$274,000 | $284.10 | $14.50 |
| $137,001–$171,000 | $274,001–$342,000 | $405.80 | $37.50 |
| $171,001–$205,000 | $342,001–$410,000 | $527.50 | $60.40 |
| $205,001–$500,000 | $410,001–$750,000 | $649.20 | $83.30 |
| Over $500,000 | Over $750,000 | $689.90 | $91.00 |
Source: CMS 2026 Medicare premiums (Nov 2025). Part B base is $202.90. Married filing separately: over $109,000 → $649.20 Part B; over $391,000 → $689.90. Part D IRMAA is added to your plan's own premium.
How it works
How IRMAA works in 2026
Base Part B premium (2026) = $202.90/month
IRMAA tier = based on your 2024 MAGI and filing status
Part B total = base + Part B IRMAA surcharge
Part D = your plan premium + Part D IRMAA surchargeYour 2026 IRMAA uses your 2024 MAGI = AGI + tax-exempt interest. The Social Security Administration mails an IRMAA determination in late 2025 based on that return.
2026 IRMAA brackets (single filer)
| 2024 MAGI (single) | Part B/month | Part D IRMAA/month |
|---|---|---|
| $109,000 or less | $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 |
| Over $500,000 | $689.90 | $91.00 |
For married filing jointly, the income thresholds are double ($218,000 up to $750,000) with the same premium amounts. Married filing separately has its own steep schedule: over $109,000 jumps to $649.20 Part B, and over $391,000 to $689.90.
The IRMAA 'cliff'
IRMAA is not phased in gradually. Go $1 over a threshold and you pay the higher tier's full surcharge for the entire year. That is why retirees watch the edges of each bracket when timing Roth conversions, capital gains, and IRA withdrawals.
Two-person households
Each spouse on Medicare pays IRMAA individually. A couple both in Tier 5 pays the surcharge twice, so the household cost is roughly double the per-person figures above.
Appealing IRMAA
If a life-changing event (retirement, divorce, death of a spouse, loss of income) dropped your income after 2024, you can ask SSA to use more recent income with Form SSA-44.
Disclaimer
Educational estimate using published 2026 Part B and Part D IRMAA amounts. Your Part D total also includes your plan's own premium, which varies. Confirm your determination with SSA/Medicare and consider Form SSA-44 if your income has dropped.
Example: single filer, $150,000 of 2024 MAGI
Frequently asked questions
What is the standard Medicare Part B premium for 2026?
What income triggers IRMAA in 2026?
Why does my 2024 income set my 2026 premium?
How much is the highest IRMAA surcharge in 2026?
Do married couples each pay IRMAA?
Is IRMAA a cliff or a gradual phase-in?
Can I appeal or lower my IRMAA?
Does IRMAA include my Part D plan premium?
Sources & references
Methodology & trust
Finance calculator with its formula verified automatically against Kiplinger — Medicare premiums 2026: IRMAA brackets and surcharges, per our editorial policy and methodology.
Updated: July 2026. Parameters are verified periodically against the cited sources.
Calculations run 100% in your browser. We do not store or transmit your data.
Indicative results. For critical decisions, consult a professional.
Rodríguez, M. (2026). Medicare IRMAA 2026 Brackets Calculator. Hacé Cuentas. https://hacecuentas.com/en/medicare-irmaa-2026-brackets-calculator
Content licensed under CC-BY 4.0 — reuse it citing the source with a link to Hacé Cuentas.