Medicare Part D IRMAA 2027 Calculator

Calculate Medicare Part D IRMAA (Income-Related Monthly Adjustment Amount) 2027 — extra premium added for higher-income retirees based on 2025 MAGI. 6 brackets.

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How IRMAA Works

2-year lookback — 2027 IRMAA based on 2025 tax return MAGI. Higher income = higher Medicare Part B and Part D premiums. 6 brackets ranging from $0 to ~$432/mo extra in 2027.

2027 IRMAA Brackets (Single)

Up to $103k: no IRMAA. $103k-$129k: +$71.90 Part B / +$13.70 Part D. $129k-$161k: +$179.80 / +$35.30. $161k-$193k: +$287.70 / +$57.00. $193k-$500k: +$395.60 / +$78.60. Above $500k: +$431.50 / +$85.80.

Avoid IRMAA Cliffs

One dollar over a bracket = full bracket increase. Carefully manage 2025 MAGI: time Roth conversions, capital gains, IRA withdrawals to stay below thresholds. Hint: $1 of extra income can cost $1,200+/year.

IRMAA Appeal Process

File Form SSA-44 if 'life-changing event': retirement (income dropped), spouse death, marriage/divorce, loss of pension, employer settlement. Use estimated current year income not 2025.

Source: medicare.gov IRMAA tables, ssa.gov Form SSA-44. Last updated: May 2026.