Medicare IRMAA Calculator 2026
Estimate 2026 Medicare Part B and Part D income-related monthly adjustment amounts from modified adjusted gross income (MAGI) and filing status.
2026 individual / joint thresholds
| Individual MAGI | Joint MAGI | Total Part B premium | Part D IRMAA |
|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 | $0 |
| > $109,000 to ≤ $137,000 | > $218,000 to ≤ $274,000 | $284.10 | $14.50 |
| > $137,000 to ≤ $171,000 | > $274,000 to ≤ $342,000 | $405.80 | $37.50 |
| > $171,000 to ≤ $205,000 | > $342,000 to ≤ $410,000 | $527.50 | $60.40 |
| > $205,000 and < $500,000 | > $410,000 and < $750,000 | $649.20 | $83.30 |
| ≥ $500,000 | ≥ $750,000 | $689.90 | $91.00 |
Exact boundary values matter. CMS places exactly $500,000 of individual MAGI and exactly $750,000 of joint MAGI in the highest 2026 tier. For married filing separately while living with a spouse, exactly $391,000 is also in the highest tier. Part D plan premium is separate. The Part D amount shown here is the income-related surcharge added to your plan premium. The standard 2026 Part B premium is $202.90; the calculator reports the additional Part B IRMAA separately and also shows the total Part B premium.
Tax year used
SSA generally uses tax information from two years before the premium year. For 2026 IRMAA, that usually means your 2024 tax return. SSA may use other permitted information in specific circumstances, including when the usual return is unavailable or when a qualifying life-changing event supports a new determination.
Worked example
For an individual with $150,000 of MAGI, the 2026 Part B total premium is $405.80 per month, including a $202.90 Part B IRMAA. The Part D IRMAA is $37.50 per month, for a combined monthly income-related surcharge of $240.40.
Primary sources
- CMS — 2026 Medicare Parts A & B premiums and Part D IRMAA
- SSA — Monthly Medicare premiums for 2026
- SSA POMS — MAGI used for IRMAA determinations
Methodology & verification
- Premium year
- 2026.
- Standard Part B premium
- $202.90 per month.
- MAGI year
- Generally 2024 tax-return information for 2026 premiums.
- Part D output
- IRMAA surcharge only; plan premium excluded.
- Last reviewed
- 2026-09-17.