2026 Medicare IRMAA Calculator
Enter your 2024 income and tax filing status to see your 2026 Medicare Part B and Part D IRMAA surcharges, monthly and for the year.
Last verified: against the CMS 2026 premiums fact sheet.
Income bracket:
| Item | Per month | Per year |
|---|---|---|
| Standard Part B premium | ||
| Part B IRMAA surcharge | ||
| Total Part B premium | ||
| Part D IRMAA surcharge (added to your plan premium) | ||
| Total IRMAA surcharges (Part B + Part D) |
How IRMAA works in 2026
Everyone with Part B pays the standard premium of $202.90 a month in 2026 (up from $185.00 in 2025). If your modified adjusted gross income on your 2024 tax return was above the first threshold, you also pay an Income-Related Monthly Adjustment Amount on Part B and, if you have drug coverage, on Part D. CMS published the 2026 amounts on November 14, 2025.
The full bracket tables are on our 2026 IRMAA brackets page. This calculator was reviewed by REVIEWER_NAME, Licensed Medicare Agent.
Frequently asked questions
What income does IRMAA use?
Modified adjusted gross income (MAGI): your adjusted gross income plus tax-exempt interest. For 2026 premiums, Social Security uses your 2024 federal tax return.
Is IRMAA a cliff or a gradual increase?
A cliff. Earning one dollar over a threshold moves you into the next tier for the entire year. Managing income near a threshold, for example with Roth conversions or charitable distributions, can matter.
How is IRMAA collected?
The Part B surcharge is added to your Part B premium and, for most people, deducted from the monthly Social Security payment. The Part D surcharge is billed separately from your drug plan premium, also usually through Social Security.
Can I get IRMAA reduced?
If you had a life-changing event such as retirement, reduced work hours, divorce, or loss of a spouse, you can file Form SSA-44 and ask Social Security to use a more recent year's income.
Does IRMAA apply to Medicare Advantage?
Yes. IRMAA is charged on Part B and Part D regardless of whether you have Original Medicare or a Medicare Advantage plan.
Sources
Calculators run in your browser; nothing you enter is sent to us. Results are estimates for planning only and are not financial, tax or legal advice. See the disclaimer.