The 2027 standard Part B premium is $218.60 per month. IRMAA adds a surcharge once your income passes a bracket. Your 2027 surcharge is based on your income from two years prior (2025). The first cliff is at $111,000 for single filers and $222,000 for joint filers. Below are the full Part B and Part D amounts for every filing status.
| 2025 income (MAGI) | Tier | Part B / mo | Part B surcharge | Part D / mo |
|---|---|---|---|---|
| $111,000 or less | Standard | $218.60 | $0.00 | $0.00 |
| $111,001 – $140,000 | Tier 1 | $306.00 | +$87.40 | +$15.42 |
| $140,001 – $175,000 | Tier 2 | $437.20 | +$218.60 | +$39.67 |
| $175,001 – $210,000 | Tier 3 | $568.40 | +$349.80 | +$64.00 |
| $210,001 – $499,999 | Tier 4 | $699.50 | +$480.90 | +$88.08 |
| $500,000 or more | Tier 5 | $743.20 | +$524.60 | +$96.50 |
Single, head of household, or qualifying widow(er).
Source: PROJECTED: official 2027 figures not yet released. Projection from Bullseye Retirement Planning (2027 IRMAA Brackets), ~2.25% inflation assumption; MFS rows estimated.. https://www.bullseyeretirement.com/articles/2027-irmaa-brackets-medicare-premiums. Last verified 2026-06-15. The standard 2027 Part B premium is $218.60/mo.
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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 2025 income sets your 2027 premium. See how to stay under the next bracket →
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