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Medicare IRMAA Calculator
IRMAA is an extra amount added to your Medicare Part B and Part D premiums if your income is above a set threshold. Enter your filing status and income below to see the 2026 CMS bracket your income falls into and the resulting amounts.
Estimate your IRMAA
This is an educational estimate, not an official determination. Your actual IRMAA is set by the Social Security Administration based on your filed tax return.
Enter your filing status and income above to see your estimated bracket.
How does IRMAA work?
Most people pay the standard Part B premium. If your Modified Adjusted Gross Income (MAGI) from two years ago is above a set threshold, Social Security adds an Income-Related Monthly Adjustment Amount on top of the standard Part B premium, and a separate, smaller surcharge on top of your Part D plan premium (if you have one). There are six income tiers; the higher your MAGI, the higher tier you fall into. IRMAA is reassessed every year using your tax return from two years prior.
Social Security, not the Centers for Medicare & Medicaid Services (CMS) and not your insurance agent, determines and bills IRMAA. You will typically pay it as part of your monthly Part B premium (often deducted from Social Security) and, if it applies, as a separate charge for Part D.
How do I appeal an IRMAA determination?
If you believe Social Security used the wrong or outdated tax information, you can request a reconsideration. If your income has dropped because of a qualifying life-changing event, such as marriage, divorce, death of a spouse, work stoppage or reduction, loss of income-producing property, loss or reduction of pension income, or an employer settlement payment, you can file Form SSA-44 to ask Social Security to use more recent income instead of the two-year-old tax return.
Form SSA-44 is available at ssa.gov/forms/ssa-44.pdf, or you can file it online, by fax, by mail, or at a local Social Security office. Instructions and the online option are at ssa.gov/medicare/lower-irmaa. If you disagree with a reconsideration decision, you can request a further appeal; your determination notice explains the exact deadline and process.
2026 IRMAA bracket tables (full text)
Every bracket below is published directly by CMS. Part B Total is the full monthly Part B premium (standard premium plus IRMAA). Part D Adjustment is added on top of your own plan's premium, which varies by plan.
Single, head of household, or qualifying surviving spouse
| Yearly income (MAGI) | Part B total monthly premium | Part B IRMAA | Part D IRMAA (added to plan premium) |
|---|---|---|---|
| $0 – $109,000 | $202.90 | $0.00 | $0.00 |
| $109,001 – $137,000 | $284.10 | $81.20 | $14.50 |
| $137,001 – $171,000 | $405.80 | $202.90 | $37.50 |
| $171,001 – $205,000 | $527.50 | $324.60 | $60.40 |
| $205,001 – $499,999 | $649.20 | $446.30 | $83.30 |
| $500,000 – and above | $689.90 | $487.00 | $91.00 |
Married, filing jointly
| Yearly income (MAGI) | Part B total monthly premium | Part B IRMAA | Part D IRMAA (added to plan premium) |
|---|---|---|---|
| $0 – $218,000 | $202.90 | $0.00 | $0.00 |
| $218,001 – $274,000 | $284.10 | $81.20 | $14.50 |
| $274,001 – $342,000 | $405.80 | $202.90 | $37.50 |
| $342,001 – $410,000 | $527.50 | $324.60 | $60.40 |
| $410,001 – $749,999 | $649.20 | $446.30 | $83.30 |
| $750,000 – and above | $689.90 | $487.00 | $91.00 |
Married, filing separately (lived with spouse during the year)
| Yearly income (MAGI) | Part B total monthly premium | Part B IRMAA | Part D IRMAA (added to plan premium) |
|---|---|---|---|
| $0 – $109,000 | $202.90 | $0.00 | $0.00 |
| $109,001 – $390,999 | $649.20 | $446.30 | $83.30 |
| $391,000 – and above | $689.90 | $487.00 | $91.00 |
Source: CMS, 2026 Medicare Parts B Premiums and Deductibles fact sheet. Verified 2026-10-01.
Common questions about IRMAA
What income does IRMAA use?
Your Modified Adjusted Gross Income (MAGI) from your tax return filed two years before the current year. For 2026 premiums, that is your 2024 MAGI. MAGI is your Adjusted Gross Income plus tax-exempt interest.
Does IRMAA apply to Medicare Advantage plans?
IRMAA is added to your Part B premium (and to your Part D premium if you have drug coverage, including drug coverage bundled into a Medicare Advantage plan). It is billed separately from your plan premium, usually through Social Security.
Will my IRMAA change every year?
It can. SSA reviews your MAGI from two years prior each year, so a change in your income can move you into a different bracket, or out of IRMAA altogether, the following year.
Is this calculator the same as my official IRMAA determination?
No. This is an educational estimate based on the published 2026 bracket table. Your actual IRMAA is determined by the Social Security Administration using your filed tax return and is stated in your official determination notice.
What if my income dropped after a life event, like retiring?
You can ask SSA to use more recent income instead of the two-year-old tax return by filing Form SSA-44 for a qualifying life-changing event. See "How do I appeal an IRMAA determination?" below.
Sources
- CMS: 2026 Medicare Parts B Premiums and Deductibles — official bracket and premium figures
- SSA: Request to lower an IRMAA — appeals and Form SSA-44
Last verified: 2026-10-01. No data you enter above is stored, saved, or sent anywhere; the calculation runs in your browser only.
Want help understanding what this means for your plan?
A licensed San Antonio agent can walk through your IRMAA notice with you at no cost.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.