An extra amount added to your Medicare Part B and Part D premiums when your income is above a set level.

Why does my 2024 income decide my 2026 premium?

Medicare uses the most recent tax return on file, which is two years behind. If you recently retired, you may be paying based on income you no longer earn.

My income went down. Can I do anything?

If a life event lowered it, you can ask Social Security to use newer figures with Form SSA-44.

Updated for 2026 · official CMS & SSA figures

Medicare IRMAA Calculator

See your 2026 Part B and Part D surcharge, and exactly how close you are to the next income bracket.

$202.90

Standard Part B / mo

$109,000

First bracket · single

$218,000

First bracket · joint

By the IRMAA Hub editorial team· Figures verified against official CMS & SSA sources · Last verified June 2026 · How we calculate

Single filer · 2026

You are $10,401 under the next bracket.

Income of $126,600. The next bracket starts at $137,001.

Part B / mo

$284.10

Part D / mo

+$14.50

Extra / yr

$1,148

$126,600

109k137k171k205k500k

Tier 1 of 5. See the full 2026 bracket table

Official 2026 CMS & SSA figures · standard Part B premium $202.90/mo · your income stays in your browser

Worried about a surcharge?

See the moves that can keep your income under the next bracket.

How to avoid the cliff

Common questions

What is IRMAA?: An extra amount added to your Medicare Part B and Part D premiums when your income is above a set level. Read more
Why does my 2024 income decide my 2026 premium?: Medicare uses the most recent tax return on file, which is two years behind. If you recently retired, you may be paying based on income you no longer earn.
My income went down. Can I do anything?: If a life event lowered it, you can ask Social Security to use newer figures with Form SSA-44. How to appeal