IRMAA brackets for 2026
A 2024 MAGI above $109,000 filing single, or $218,000 filing jointly, adds a surcharge to the Medicare Part B and Part D premiums for 2026. The table highlights the row for a MAGI you type.
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| 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
Medicare uses the tax return filed two years earlier, not current income. The 2026 surcharge was set by the 2024 return, which is already filed.
The return filed for the current year sets the premium two years out. Conversions, sales and large withdrawals raise MAGI in the year they happen, and that year is the one a future surcharge is calculated from.
The tiers step. One dollar over a threshold moves the whole year into the next tier, so a few hundred dollars over a line can cost four figures. The table shows remaining headroom in dollars rather than just the bracket you are in — and what each crossing costs is worked out separately.