IRMAA is an extra amount some people pay for Medicare Part B and Part D when their income is above annual thresholds. It is based on income from two years before the premium year.
Is IRMAA monthly or annual?
IRMAA is charged monthly, but the calculator also shows an annual estimate so the full impact is easier to understand.
Where to go next
Start with the 2026 bracket table, then use the calculator to estimate how close your income is to the next threshold.
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