The 2026 standard Part B premium is $202.90 per month. IRMAA adds a surcharge once your income passes a bracket. Your 2026 surcharge is based on your income from two years prior (2024). The first cliff is at $109,000 for single filers and $218,000 for joint filers. Below are the full Part B and Part D amounts for every filing status.
| 2024 income (MAGI) | Tier | Part B / mo | Part B surcharge | Part D / mo |
|---|---|---|---|---|
| $109,000 or less | Standard | $202.90 | $0.00 | $0.00 |
| $109,001 – $137,000 | Tier 1 | $284.10 | +$81.20 | +$14.50 |
| $137,001 – $171,000 | Tier 2 | $405.80 | +$202.90 | +$37.50 |
| $171,001 – $205,000 | Tier 3 | $527.50 | +$324.60 | +$60.40 |
| $205,001 – $499,999 | Tier 4 | $649.20 | +$446.30 | +$83.30 |
| $500,000 or more | Tier 5 | $689.90 | +$487.00 | +$91.00 |
Single, head of household, or qualifying widow(er).
Source: SSA POMS HI 01101.020: IRMAA Sliding Scale Tables (2026); CMS 2026 Medicare Parts A & B Premiums and Deductibles Fact Sheet. https://secure.ssa.gov/poms.nsf/lnx/0601101020. Last verified 2026-06-15. The standard 2026 Part B premium is $202.90/mo.
We'll email you once CMS publishes the official figures, and a reminder before your enrollment window. No spam.
We only use your email for these updates. Unsubscribe anytime.
IRMAA is a cliff, not a slope. Going one dollar over a bracket moves your whole surcharge up a step for the entire year. Because Medicare looks back two years, your 2024 income sets your 2026 premium. See how to stay under the next bracket →
A licensed Medicare advisor can also help at no cost. IRMAA Hub may be paid if you connect with a partner; we are not affiliated with Medicare, CMS, or the SSA.