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Medicare IRMAA Calculator 2026
IRMAA is based on your income from two years prior — your 2026 Medicare Part B premium is determined by your 2024 Modified Adjusted Gross Income (MAGI).
Your estimated 2026 Part B premium: $202.90/month
| 2024 MAGI for selected filing status | IRMAA | Total Part B Premium |
|---|---|---|
| ≤ $109,000 | $0.00 | $202.90 |
| Over $109,000 through $137,000 | $81.20 | $284.10 |
| Over $137,000 through $171,000 | $202.90 | $405.80 |
| Over $171,000 through $205,000 | $324.60 | $527.50 |
| Over $205,000 but under $500,000 | $446.30 | $649.20 |
| $500,000 or more | $487.00 | $689.90 |
If your income has dropped since 2024, you may appeal your IRMAA. Contact Social Security at 1-800-772-1213.
Source: CMS 2026 full Part B coverage premiums. Part D adjustments are separate.
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What is IRMAA and why is it based on my income from two years ago?
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to your Medicare Part B and Part D premiums if your income is above a set threshold. It's based on your Modified Adjusted Gross Income (MAGI) from two years prior — your 2026 IRMAA is determined by your 2024 tax return — because that's the most recent tax data the IRS has verified and shared with the Social Security Administration by the time premiums are set.
Can I appeal an IRMAA determination?
Yes. If your income has dropped since 2024 due to a life-changing event — such as retirement, divorce, or the death of a spouse — you can request a new initial determination from the Social Security Administration using Form SSA-44, without waiting for next year's automatic recalculation.
Does IRMAA apply to Part D as well as Part B?
Part D has a separate income-related adjustment paid in addition to your drug plan premium. This calculator estimates only the Part B adjustment; it does not include Part D costs.