Part D IRMAA: what you pay on top of your drug plan
By Elder PaperworkUpdated
Short answer
In 2026, the Part D IRMAA runs from $14.50 to $91.00 a month, depending on income.
You pay it on top of your drug plan premium.
Social Security withholds it from your benefit, however you pay your plan.
Sources: CMS, November 14, 2025; Social Security, Medicare premiums; POMS HI 01101.001. Read November 4, 2026.
Key facts
How much is the Part D IRMAA in 2026?
| Single | Joint | Part D extra |
|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 |
| Up to $137,000 | Up to $274,000 | $14.50 |
| Up to $171,000 | Up to $342,000 | $37.50 |
| Up to $205,000 | Up to $410,000 | $60.40 |
| Under $500,000 | Under $750,000 | $83.30 |
| $500,000 or more | $750,000 or more | $91.00 |
How do I pay it?
Social Security withholds it from your benefit payment, however you pay your plan premium.
If your benefit is too small, CMS bills you each month.
What if I don’t pay it?
CMS tells your plan to cancel your drug coverage if the IRMAA isn’t paid.
See your possible savings first. No commitment.
Check my savingsDoes it depend on my plan’s premium?
No. It is tied to a national base premium, not to your plan’s own premium.
Can I lower it?
Yes, the same way as Part B. A life-changing event, an amended return or corrected IRS data can lead to a new decision.
Questions
Do I pay Part D IRMAA to my plan?
No. It is withheld from your Social Security payment, or billed by CMS.
Does Part D IRMAA apply with Medicare Advantage?
Yes, if your Medicare Advantage plan includes drug coverage.
Is it based on the same income as Part B?
Yes. Same MAGI, same filing status, same brackets.