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2026 Medicare IRMAA Calculator
Calculate your estimated 2026 Part B & Part D IRMAA surcharges using your 2024 Modified Adjusted Gross Income.
IRMAA Estimator
What's Your IRMAA?
Medicare determines your 2026 IRMAA using your 2024 tax return — two years prior. If your income has dropped since then, you may be able to appeal.
Your 2026 IRMAA Estimate
2024 MAGI
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Filing Status
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Part B IRMAA / mo.
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Total Part B Premium
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Part D IRMAA / mo.
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Your Income Bracket
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IRMAA Brackets by Filing Status
| 2024 MAGI | Part B IRMAA | Total Part B | Part D IRMAA |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 |
| Above $109,000 up to $137,000 | $81.20 | $284.10 | $14.50 |
| Above $137,000 up to $171,000 | $202.90 | $405.80 | $37.50 |
| Above $171,000 up to $205,000 | $324.60 | $527.50 | $60.40 |
| Above $205,000 < $500,000 | $446.30 | $649.20 | $83.30 |
| $500,000 or above | $487.00 | $689.90 | $91.00 |
| 2024 MAGI | Part B IRMAA | Total Part B | Part D IRMAA |
|---|---|---|---|
| $218,000 or less | $0.00 | $202.90 | $0.00 |
| Above $218,000 up to $274,000 | $81.20 | $284.10 | $14.50 |
| Above $274,000 up to $342,000 | $202.90 | $405.80 | $37.50 |
| Above $342,000 up to $410,000 | $324.60 | $527.50 | $60.40 |
| Above $410,000 < $750,000 | $446.30 | $649.20 | $83.30 |
| $750,000 or above | $487.00 | $689.90 | $91.00 |
| 2024 MAGI | Part B IRMAA | Total Part B | Part D IRMAA |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 |
| Above $109,000 < $391,000 | $446.30 | $649.20 | $83.30 |
| $391,000 or above | $487.00 | $689.90 | $91.00 |
Medicare Required Disclaimer: We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE or your local SHIP office to get information on all of your options.