The standard 2026 Medicare Part B premium is $202.90/month. Most people pay exactly this amount, but higher earners pay more, because an income surcharge called IRMAA is added on top of the standard premium.
Everyone with Medicare Part B starts from the same base: the standard $202.90 monthly premium. If your modified adjusted gross income (MAGI) is above the first bracket, the Income-Related Monthly Adjustment Amount (IRMAA) is stacked on top of that standard premium. The higher your income, the higher the tier, and the larger the surcharge added each month.
Social Security uses the most recent tax return on file, which runs two years behind, so your 2024 income determines your 2026 premium. The brackets behave as cliffs: a single dollar over a threshold moves your entire premium up to the next tier for the whole year.
The table below shows the full income-based Part B premium for 2026. Switch filing status to see your bracket.
| 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: official 2026 CMS/SSA figures (CMS Medicare costs; SSA Pub. 05-10536). Last verified June 2026.
The standard Part B premium and the IRMAA brackets are recalculated every year. Each fall, Medicare announces the figures for the coming calendar year, and they take effect the following January. Because the surcharge is recalculated annually from your most recent income, it can rise, fall, or disappear as your income changes.
Learn more about the full bracket structure on the 2026 IRMAA brackets page, or read what IRMAA is and how it works.