IRMAA Medicare Calculator 2026
Calculate your Medicare Part B and Part D Income-Related Monthly Adjustment Amount (IRMAA) surcharges for 2026. Enter your modified adjusted gross income to see your exact premiums, surcharge brackets, and strategies to potentially lower your Medicare costs.
2026 IRMAA Brackets — Your Position
| MAGI (Single) | MAGI (Married Joint) | Part B Premium | Part D Surcharge |
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What Is IRMAA and How Does It Affect Your Medicare Costs?
IRMAA stands for Income-Related Monthly Adjustment Amount — a surcharge added to your Medicare Part B and Part D premiums if your income exceeds certain thresholds. In 2026, the standard Part B premium is $202.90 per month. However, if your modified adjusted gross income from two years ago (your 2024 tax return) exceeds $106,000 for single filers or $212,000 for married couples filing jointly, you will pay higher premiums. IRMAA surcharges can add $81.00 to $408.20 per month for Part B alone, potentially doubling or tripling your Medicare costs.
2026 IRMAA Bracket Thresholds and Premium Amounts
The 2026 IRMAA brackets create a cliff structure where crossing a threshold by even $1 triggers the full surcharge for that tier. For single filers, the brackets start at $106,000 and increase through $133,500, $167,000, $200,000, and $500,000. Married couples filing jointly see thresholds at $212,000, $267,000, $334,000, $400,000, and $750,000. The highest earners — those above $500,000 single or $750,000 joint — pay $611.10 per month for Part B, more than three times the standard premium. Understanding exactly where you fall in these brackets is crucial for retirement income planning.
Strategies to Reduce or Avoid IRMAA Surcharges
If your income is near an IRMAA threshold, several strategies can help reduce your surcharges. Roth IRA conversions in lower-income years can reduce future required minimum distributions that push you into higher brackets. Qualified charitable distributions from IRAs count toward RMDs without increasing MAGI. Timing capital gains realizations, managing rental income, and coordinating Social Security claiming strategies can all help manage your MAGI. If you experienced a life-changing event such as retirement, divorce, or death of a spouse, you can file Form SSA-44 to request that Social Security use a more recent year's income instead of the standard two-year lookback.
IRMAA and Medicare Part D Drug Coverage
IRMAA also applies to Medicare Part D prescription drug coverage. While Part D premiums vary by plan, the IRMAA surcharge is a fixed amount added on top. In 2026, Part D surcharges range from $13.70 to $85.80 per month depending on your income bracket. Combined with Part B surcharges, high-income beneficiaries can face over $500 per month in additional Medicare costs. This calculator shows both Part B and Part D surcharges so you can see your complete IRMAA exposure and plan accordingly.