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401(k) Withdrawal Medicare Premium Calculator
Estimate whether a 401(k) withdrawal could increase your Medicare premium surcharge.
- Uses 2026 CMS Part B and Part D IRMAA surcharge amounts.
- Shows monthly and annual surcharge estimates in plain English.
- Built for planning conversations, not tax, legal, or Medicare enrollment advice.
Step-by-step estimate
Check your estimated IRMAA risk
Enter your expected Medicare MAGI and add any one-time income events.
2026 IRMAA brackets at a glance
For 2026 Medicare premiums, IRMAA uses 2024 modified adjusted gross income. The first surcharge begins above $109,000 for single filers and above $218,000 for married couples filing jointly.
| Filing status | First IRMAA threshold | First Part B surcharge | First Part D surcharge |
|---|---|---|---|
| Single | Over $109,000 | $81.20/month | $14.50/month |
| Married filing jointly | Over $218,000 | $81.20/month | $14.50/month |
| Married filing separately | Over $109,000 | $446.30/month | $83.30/month |
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Why 401(k) withdrawals can affect Medicare premiums
Traditional 401(k) withdrawals are usually taxable income. That means they can raise Medicare MAGI and potentially affect IRMAA.
Use this page to test a planned withdrawal and see how close it may put you to the next bracket. 2026 IRMAA brackets, Medicare MAGI, and the main IRMAA calculator can help frame the estimate.
401(k) withdrawal FAQ
- Does this income count for IRMAA?
- Taxable retirement income generally counts in MAGI for IRMAA purposes.
- Should I enter the gross amount?
- Enter the amount you expect to count in taxable income or Medicare MAGI, not an account balance.
- Is this personal advice?
- No. This page provides educational estimates and should be checked against official guidance.