IRMAA brackets for 2026
If your 2024 income was above $109,000 filing single, or $218,000 filing jointly, you pay a surcharge on top of your Medicare Part B and Part D premiums. Find your row — and see how close you are to the next cliff.
Runs entirely in your browser. Your income is never sent to us or to anyone else.
| 2024 MAGI | Part B total | Part B IRMAA | Part D IRMAA |
|---|---|---|---|
| $109,000 or less | $202.90 | — | — |
| Over $109,000, up to $137,000 | $284.10 | $81.20 | $14.50 |
| Over $137,000, up to $171,000 | $405.80 | $202.90 | $37.50 |
| Over $171,000, up to $205,000 | $527.50 | $324.60 | $60.40 |
| Over $205,000, under $500,000 | $649.20 | $446.30 | $83.30 |
| $500,000 or more | $689.90 | $487.00 | $91.00 |
Figures as published by CMS on November 14, 2025 (source). We publish the CMS amounts exactly, not figures re-derived from the statutory percentages — here is why that distinction matters.
Your 2024 income sets your 2026 premium
This is the part almost everyone misses. Medicare does not look at what you earn now — it looks at the tax return you filed two years ago. The surcharge you pay in 2026 was decided by your 2024 return, which you can no longer change.
The useful consequence runs the other way: the return you file for this year is already setting your premium two years out. That makes IRMAA a planning problem rather than a bill to react to — and it is why a Roth conversion, a property sale, or a large withdrawal can cost you well beyond the tax on it.
IRMAA is also a cliff. One dollar over a threshold moves you into the whole next tier, so being a few hundred dollars over a line can cost four figures a year. That is why the table shows your remaining headroom in dollars rather than just the bracket you are in.
Tools
Where these numbers come from
Our sources, and the tempting shortcut we deliberately don’t take.
2027 brackets
Not published yet. CMS has released only the Part D base premium; the brackets are due Oct–Nov.
SSA-44 appeal walkthrough
Had a life-changing event? The form that can reduce your surcharge, box by box.
Late enrollment penalties
Part B and Part D penalty calculators — showing lifetime cost, not just the monthly figure.
What this site will not do
We do not sell insurance, take commissions, or pass your details to an agent. There is no email wall on any tool here. We are not financial advisors, tax preparers or attorneys, and nothing here is advice about your situation — we do arithmetic on published figures and show our sources.
We also will not pass off an estimate as a published figure. Where CMS has not released a number, we say so. If we later publish a projection, it will be labelled as one on every row and will show the inputs it came from.