2026 Medicare IRMAA Surcharge Calculator
Your 2026 Medicare IRMAA (Income-Related Monthly Adjustment Amount) is based on your 2024 Modified Adjusted Gross Income. If your 2024 MAGI was at or below $109,000 (single) or $218,000 (married filing jointly), you pay only the standard 2026 Part B premium of $202.90/month with no Part D surcharge. Above those thresholds, IRMAA adds a tiered surcharge to both Part B and Part D, up to $487.00 + $91.00 per month at the top tier. This calculator finds your tier and the extra you will pay. It is an estimate, not financial advice.
Source: CMS 2026 Medicare premium & IRMAA figures. Data as of 2026-06-14.
How it works
Choose your filing status and enter your 2024 MAGI (your adjusted gross income plus any tax-exempt interest). The tool matches your MAGI to the published 2026 IRMAA bracket and reports your total Part B premium, the Part D surcharge added to your drug plan, and the extra annual cost per person. Married-filing-separately uses separate thresholds. Confirm your determination with the Social Security Administration.
Important: This tool is a general estimate for educational purposes only and is not medical, tax, insurance, or financial advice. Figures use the published 2026 limits but your situation may differ. Verify with the primary source and a qualified professional. See our full disclaimer and methodology.
Frequently asked questions
What income is IRMAA for 2026 based on?
Your 2026 IRMAA is based on your 2024 MAGI — adjusted gross income plus tax-exempt interest — because Medicare uses the most recent IRS data available, which is two years prior.
What are the 2026 IRMAA thresholds?
The first surcharge tier starts above $109,000 (single) or $218,000 (married filing jointly). The top tier begins at $500,000 (single) / $750,000 (joint).
Can I appeal an IRMAA surcharge?
Yes. If a life-changing event (such as retirement, marriage, or death of a spouse) lowered your income, you can ask the Social Security Administration to use a more recent year by filing Form SSA-44.
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Last updated: 2026-06-14