Your 2026 Medicare IRMAA surcharge is based on your 2024 income. Enter your filing status and income to estimate how much extra you may pay for Medicare Part B and Part D.
Enter your 2024 MAGI and filing status to estimate your 2026 Medicare premium impact.
IRMAA is based on your income from two years prior. For 2026, Medicare generally looks at your 2024 tax return.
| 2024 Individual MAGI | Part B IRMAA | Total Part B Estimate | Part D IRMAA |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 |
| $109,001 – $137,000 | $81.20 | $284.10 | $14.50 |
| $137,001 – $171,000 | $202.90 | $405.80 | $37.50 |
| $171,001 – $205,000 | $324.60 | $527.50 | $60.40 |
| $205,001 – $499,999 | $446.30 | $649.20 | $83.30 |
| $500,000 or above | $487.00 | $689.90 | $91.00 |
| 2024 Joint MAGI | Part B IRMAA | Total Part B Estimate | Part D IRMAA |
|---|---|---|---|
| $218,000 or less | $0.00 | $202.90 | $0.00 |
| $218,001 – $274,000 | $81.20 | $284.10 | $14.50 |
| $274,001 – $342,000 | $202.90 | $405.80 | $37.50 |
| $342,001 – $410,000 | $324.60 | $527.50 | $60.40 |
| $410,001 – $749,999 | $446.30 | $649.20 | $83.30 |
| $750,000 or above | $487.00 | $689.90 | $91.00 |
If you retired, lost income, got divorced, lost a spouse, or had another qualifying life-changing event, you may be able to appeal IRMAA using a more recent income year. The appeal is generally handled through Social Security using Form SSA-44.
Medicare costs are connected. Compare your options, estimate your exposure, and understand how different Medicare choices affect your retirement budget.
IRMAA can significantly increase your Medicare costs in retirement. Understanding Medicare Supplement plans, Medicare Advantage plans, prescription drug costs, and total annual exposure becomes even more important for higher-income Medicare beneficiaries.
Give me a call and we’ll look at the bigger picture — IRMAA, plan costs, prescriptions, and your total Medicare exposure.