The 2028 standard Part B premium is $224.00 per month. IRMAA adds a surcharge once your income passes a bracket. Your 2028 surcharge is based on your income from two years prior (2026). The first cliff is at $113,000 for single filers and $226,000 for joint filers. Below are the full Part B and Part D amounts for every filing status.
| 2026 income (MAGI) | Tier | Part B / mo | Part B surcharge | Part D / mo |
|---|---|---|---|---|
| $113,000 or less | Standard | $224.00 | $0.00 | $0.00 |
| $113,001 – $143,000 | Tier 1 | $313.00 | +$89.00 | +$15.80 |
| $143,001 – $179,000 | Tier 2 | $448.00 | +$224.00 | +$40.60 |
| $179,001 – $215,000 | Tier 3 | $582.00 | +$358.00 | +$65.50 |
| $215,001 – $499,999 | Tier 4 | $716.00 | +$492.00 | +$90.20 |
| $500,000 or more | Tier 5 | $761.00 | +$537.00 | +$98.80 |
Single, head of household, or qualifying widow(er).
Source: PROJECTED: official 2028 figures not yet released. Projection from Bullseye Retirement Planning (2028 IRMAA Brackets), ~2-2.5% inflation assumption; MFS rows estimated.. https://www.bullseyeretirement.com/articles/2028-irmaa-brackets-projected. Last verified 2026-06-15. The standard 2028 Part B premium is $224.00/mo.
2028 figures are still projected, so they cannot validate a real notice. The letter checker currently compares final 2025 and 2026 amounts. Open the IRMAA Letter Checker →
IRMAA income thresholds are indexed to inflation, so future brackets can be estimated before CMS publishes them. The figures on this page apply an assumed inflation adjustment of about 2 to 2.5 percent per year, following the cited projection source. The projected standard Part B premium is $224.00 per month, and each tier's Part B and Part D amounts for Medicare premiums scale from there.
Because 2028 estimates stack a second year of assumptions on top of the 2027 projection, treat them as rougher than next year's numbers. CMS and SSA announce the official 2028 premiums and thresholds in roughly November 2027, and this page is updated the week they publish. If your planned income sits within a few thousand dollars of a projected threshold, leave a safety margin: the final threshold can move.
Medicare uses the most recent tax return on file, which runs two years behind. The MAGI on your 2026 return (filed in 2027) decides your 2028 bracket. That makes 2028 the premium year you can still influence: income moves completed by December 31, 2026, such as spreading a Roth conversion across years or reducing your MAGI, directly change where you land. If you are close to a projected edge, see how to stay under the next bracket. And if your income later drops because of retirement or another life event, you can ask Social Security to use newer figures with Form SSA-44.
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 2026 income sets your 2028 premium. Compare income before and after a planned move →
See the moves that can keep your income under the next bracket.