IRMAA 2026 bracket calculator
See your 2026 Part B and Part D amounts from your income and filing status.
By Elder PaperworkUpdated
Your 2026 bracket
Enter your income to see your Part B and Part D amounts.
The 2026 brackets
Above the first bracket, Part B costs more each month, and Part D adds an amount to your plan premium.
| Single | Joint | Part B total | Part D extra |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 |
| Up to $137,000 | Up to $274,000 | $284.10 | $14.50 |
| Up to $171,000 | Up to $342,000 | $405.80 | $37.50 |
| Up to $205,000 | Up to $410,000 | $527.50 | $60.40 |
| Under $500,000 | Under $750,000 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $91.00 |
| Income | Part B total | Part D extra |
|---|---|---|
| $109,000 or less | $202.90 | $0.00 |
| Under $391,000 | $649.20 | $83.30 |
| $391,000 or more | $689.90 | $91.00 |
How it works: your MAGI and filing status give your bracket.
Part B total minus $202.90, plus Part D extra, is your monthly surcharge. Times 12 gives a year.
Sources: CMS 2026 fact sheet, November 14, 2025; Social Security, Medicare premiums.
Questions
Which year’s income counts for 2026?
Generally the tax return filed in 2025, for tax year 2024. Sometimes Social Security uses the 2023 return.
What is MAGI?
Your adjusted gross income plus your tax-exempt interest income.
Can I lower my IRMAA?
If your income went down after a life-changing event, such as a work stoppage, you can ask Social Security to use a more recent year with Form SSA-44.