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.
Looking for the brackets your 2026 income sets? The two-year lookback means your 2026 income sets your 2028 premiums. See the projected 2028 IRMAA brackets →
| 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.
Compare the individual monthly surcharge on your notice with the final 2026 table. Open the IRMAA Letter Checker →
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Your bracket this year is set, but next year is still in motion. The 2027 IRMAA brackets are projected to shift upward, and if you collect Social Security, the 2027 COLA net check calculator shows what the raise and the new Part B premium together do to your monthly deposit. Paying a surcharge on income you no longer earn? The Form SSA-44 worksheet checks whether an appeal is worth filing.
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. Compare income before and after a planned move →
You may be able to reduce your surcharge by appealing with Form SSA-44.