Quick answer
2026 IRMAA uses 2024 Medicare MAGI because Medicare uses a two-year lookback. The standard Part B premium is $202.90 per month before any IRMAA surcharge.
The first 2026 IRMAA thresholds are above $109,000 for single filers and above $218,000 for married couples filing jointly.
How to use the 2026 IRMAA brackets
- Choose the filing status from the tax return Medicare is using.
- Use 2024 Medicare MAGI for 2026 premiums, not current-year income.
- Compare MAGI with the bracket range. Being even slightly over a threshold can move the premium into the next IRMAA tier.
- Add Part B IRMAA and Part D IRMAA to see the combined monthly surcharge per Medicare enrollee.
- Use the calculator before a Roth conversion, RMD, 401(k) withdrawal, home sale, or capital gain changes MAGI.
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Sponsor this placementSingle and joint filers
Married filing jointly thresholds are shown beside single thresholds so couples can compare the 2026 IRMAA brackets quickly.
| Single MAGI | Joint MAGI | Part B IRMAA | Total Part B premium | Part D IRMAA | Total IRMAA monthly |
|---|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 | $0.00 | $0.00 |
| Over $109,000 to $137,000 | Over $218,000 to $274,000 | $81.20 | $284.10 | $14.50 | $95.70 |
| Over $137,000 to $171,000 | Over $274,000 to $342,000 | $202.90 | $405.80 | $37.50 | $240.40 |
| Over $171,000 to $205,000 | Over $342,000 to $410,000 | $324.60 | $527.50 | $60.40 | $385.00 |
| Over $205,000 to under $500,000 | Over $410,000 to under $750,000 | $446.30 | $649.20 | $83.30 | $529.60 |
| $500,000 or more | $750,000 or more | $487.00 | $689.90 | $91.00 | $578.00 |
Note: Part D IRMAA is separate from the premium charged by your prescription drug plan. The "Total IRMAA monthly" column adds only the Part B IRMAA and Part D IRMAA surcharge amounts.
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Married filing separately brackets
Married filing separately has compressed IRMAA thresholds, so a household can reach a high surcharge bracket faster than single or joint filers.
| Married filing separately MAGI | Part B IRMAA | Total Part B premium | Part D IRMAA | Total IRMAA monthly |
|---|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 | $0.00 |
| Over $109,000 to $391,000 | $446.30 | $649.20 | $83.30 | $529.60 |
| $391,000 or more | $487.00 | $689.90 | $91.00 | $578.00 |
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Sponsor this placementPart B IRMAA 2026
Part B IRMAA 2026 is the monthly amount added to the standard Part B premium when 2024 Medicare MAGI is above the threshold for your filing status.
Part D IRMAA 2026
Part D IRMAA 2026 is separate from your prescription drug plan premium. A household can owe both Part B IRMAA and Part D IRMAA in the same premium year.
Why this matters
A one-time income event can move a household into a higher bracket for the affected premium year. Use the calculator to test income decisions before they happen.
Calculators for common income events
Use the table above for the bracket, then use the calculator that matches the income event you are planning.
Common bracket surprises
The table only helps if the MAGI number is right. Before comparing yourself with the 2026 brackets, check the income items that often get missed.
Frequently asked questions
- What income year is used for 2026 IRMAA?
- For 2026 Medicare premiums, IRMAA generally uses 2024 Medicare MAGI because the surcharge uses a two-year lookback.
- When do 2027 IRMAA brackets come out?
- CMS typically announces the next year's Medicare premiums and IRMAA amounts in the fall, often in October or November.
- Do Part D plans also have IRMAA?
- Yes. IRMAA can apply to both Medicare Part B and Part D. The Part D amount is separate from any plan premium.
- What are the Medicare IRMAA brackets 2026?
- Medicare IRMAA brackets 2026 are the income ranges used to decide whether an extra Part B and Part D amount applies. The table above shows the 2026 ranges by filing status.
- What are the IRMAA thresholds 2026?
- IRMAA thresholds 2026 start above $109,000 for single filers and above $218,000 for married couples filing jointly, based on 2024 Medicare MAGI.
- What is Part B IRMAA 2026?
- Part B IRMAA 2026 is the extra monthly amount added to the standard Part B premium when income is above the applicable bracket threshold.
- What is Part D IRMAA 2026?
- Part D IRMAA 2026 is the extra monthly Medicare prescription drug surcharge. It is paid separately from the plan premium.
Official sources
Last reviewed: May 18, 2026. This page summarizes official Medicare and Social Security guidance for educational use.