What you pay each month for Medicare Part B in 2026, standard or with the income surcharge
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 29 Sept 2026.The standard Medicare Part B premium for 2026 is $202.90 a month, with a $283 annual deductible. People whose 2024 modified adjusted gross income was above $109,000, or $218,000 on a joint return, pay more: between $284.10 and $689.90. Enter the adjusted gross income and tax-exempt interest from your 2024 return to see your premium and what it costs over the year.
2026 · Rates and rules read from the sources listed on this page (the earliest on 29 Sept 2026); they may have changed since.
Choose your filing status; the Part D plan switch starts off on this page.
Enter your adjusted gross income and tax-exempt interest.
Turn on "Both of us have Medicare" if you file jointly and both are enrolled.
Read the Part B premium a month, the extra a year and the Part B deductible.
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.
What this calculator does not include: your Part D plan's own premium, which varies by plan, the immunosuppressive-drug-only Part B premium, and late-enrollment penalties. CMS publishes the 2027 amounts each autumn; the figures here are for 2026.
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.
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.
CMS applies a separate table to married people who lived with their spouse at any time in the year but file separate returns. Only two thresholds apply: over $109,000 costs $649.20 a month for Part B, and $391,000 or more costs $689.90. Married people who lived apart all year use the individual table instead.
Rates and rules change; check the source before you rely on a figure.
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