The 2026 Medicare IRMAA income brackets for single and joint filers, with each premium
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 29 Sept 2026.Medicare adds an income-related monthly adjustment amount to the Part B and Part D premiums when modified adjusted gross income on the tax return from two years earlier passes $109,000 for a single filer or $218,000 for a joint return. For 2026 the standard Part B premium is $202.90 and the top total is $689.90. The brackets below are from the CMS fact sheet; enter your MAGI to see your own tier.
| Individual return | Joint return | Part B premium | Part D surcharge |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 |
| Over $109,000 to $137,000 | Over $218,000 to $274,000 | $284.10 | $14.50 |
| Over $137,000 to $171,000 | Over $274,000 to $342,000 | $405.80 | $37.50 |
| Over $171,000 to $205,000 | Over $342,000 to $410,000 | $527.50 | $60.40 |
| Over $205,000 to under $500,000 | Over $410,000 to under $750,000 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $91.00 |
2026 · Rates and rules read from the sources listed on this page (the earliest on 29 Sept 2026); they may have changed since.
Choose the filing status from the tax return the brackets look at.
Enter your adjusted gross income and tax-exempt interest from that return.
Read the Part B premium for your bracket and the Room before the next bracket.
Read MAGI cut to drop a bracket to see how far you are above the lower one.
IRMAA, the income-related monthly adjustment amount, is the extra Medicare charges people with higher incomes on top of the Part B premium and any Part D plan premium. Social Security decides it from your modified adjusted gross income on the tax return from two years before, so 2026 premiums are set by your 2024 return.
The 2026 figures. The CMS fact sheet for 2026 puts the standard Part B premium at $202.90 a month. Above $109,000 of MAGI on an individual return, or $218,000 on a joint return, five tiers add between $81.20 and $487.00 to Part B and between $14.50 and $91.00 to Part D. The tiers are cliffs: one dollar over a bracket costs the whole step for the year, which is why the calculator shows how far you are from the next one.
Which income. MAGI for IRMAA is adjusted gross income plus tax-exempt interest, the two figures on lines 11 and 2a of Form 1040. Roth conversions, capital gains and required minimum distributions all raise AGI, so a large one-off can put you in a higher tier two years later.
The rest of the article, and all 6 questions about IRMAA Calculator, are on the IRMAA Calculator page.
For an individual return, the 2026 Part B premium is $202.90 up to $109,000 of MAGI, then $284.10, $405.80, $527.50 and $649.20 at thresholds of $137,000, $171,000 and $205,000, and $689.90 from $500,000. Joint returns use double the thresholds up to $410,000 and $750,000 for the top tier. Figures are from the CMS 2026 fact sheet.
Medicare uses the modified adjusted gross income on your IRS tax return from two years earlier. For 2026 premiums, Social Security looks at your 2024 return. If that return is not yet available, it uses the one from three years before and corrects the amount once the newer return arrives.
MAGI for Medicare premiums is your adjusted gross income plus tax-exempt interest: line 11 of Form 1040 plus line 2a. Municipal bond interest therefore counts even though it is not taxed. Roth IRA withdrawals do not count, but Roth conversions, capital gains and required minimum distributions do, because they raise AGI.
The 2026 Part D surcharge is $14.50, $37.50, $60.40, $83.30 or $91.00 a month, on the same income brackets as Part B. Medicare adds it to whatever your drug plan charges, and it is usually taken from your Social Security payment, even when you pay the plan's own premium to the plan directly.
Rates and rules change; check the source before you rely on a figure.
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