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.
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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 2026 income sets your 2028 premium. See how to stay under the next bracket →
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