2026 Medicare IRMAA Brackets
These are the 2026 IRMAA brackets. Social Security uses your 2024 MAGI to place you in a tier; the standard Part B premium is $202.90, and each higher tier adds a Part B and Part D surcharge on top.
These are the official 2026 Medicare IRMAA brackets. Social Security places you in a tier using your MAGI from 2024, then adds the surcharges below to the standard Part B premium of $202.90. Part D IRMAA is billed separately, on top of your drug plan's premium.
| MAGI — Single | MAGI — Married filing jointly | Part B premium | Part B surcharge | Part D surcharge |
|---|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 | — | — |
| $109,001 – $137,000 | $218,001 – $274,000 | $284.10 | $81.20 | $14.50 |
| $137,001 – $171,000 | $274,001 – $342,000 | $405.80 | $202.90 | $37.50 |
| $171,001 – $205,000 | $342,001 – $410,000 | $527.50 | $324.60 | $60.40 |
| $205,001 – $500,000 | $410,001 – $750,000 | $649.20 | $446.30 | $83.30 |
| Above $500,000 | Above $750,000 | $689.90 | $487.00 | $91.00 |
Part D surcharge is added to whatever your Part D plan charges. Married-filing-separately uses different, lower thresholds.
How to Read This
Find the row matching your 2024 income and filing status. The Part B premium column is your total monthly Part B cost; the surcharge columns show how much of that is IRMAA. Only your income determines the tier — the surcharge amounts are the same for single and married filers within a tier.
Near a Threshold?
Crossing a bracket by even a dollar bumps you to the next tier for the whole year, so income near a line is worth planning. Estimate your surcharge, and if a life-changing event lowered your income, you may be able to appeal with Form SSA-44. We're glad to walk through it with you, free.
Frequently Asked Questions
What is the standard Part B premium in 2026?
Do these brackets change every year?
What if I file taxes as married filing separately?
Sources
- Medicare costs — Medicare.gov
- Medicare premiums: Rules for higher-income beneficiaries — Social Security Administration
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