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 to estimate your 2026 surcharge.
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 |
How IRMAA works
Social Security looks back at your tax return from two years ago to decide whether you owe IRMAA today. It uses your modified adjusted gross income — your adjusted gross income plus any tax-exempt interest. If you're above the first threshold, a surcharge is added to both your Part B premium and your Part D premium, in the tiers shown above.
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. And if a life-changing event — retirement, marriage, divorce, or the death of a spouse — has reduced your income, you can appeal with Form SSA-44 and often have the surcharge reduced or removed.
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
Talk to a local, licensed agent
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