The standard 2026 Medicare Part B premium is $202.90 a month — $2,434.80 a year per enrolled person. You pay more than the standard amount only if the modified adjusted gross income on your tax return from two years earlier crosses the first income-related threshold, $109,000 for a single filer or $218,000 on a joint return. At that first tier Part B becomes $284.10 a month, and at the highest tier $689.90.
2026 Part B premium by income
| What you pay | Single MAGI | Joint MAGI | Part B surcharge / mo | Part B premium / mo |
|---|---|---|---|---|
| Standard premium | — | — | $0.00 | $202.90 |
| Tier 1 | over $109,000 | over $218,000 | $81.20 | $284.10 |
| Tier 2 | over $137,000 | over $274,000 | $202.90 | $405.80 |
| Tier 3 | over $171,000 | over $342,000 | $324.60 | $527.50 |
| Tier 4 | over $205,000 | over $410,000 | $446.30 | $649.20 |
| Tier 5 | $500,000 or more | $750,000 or more | $487.00 | $689.90 |
Most people pay the standard premium: the surcharge tiers begin well above $109,000 of income. The last column is Part B only — a separate Part D surcharge applies on top at each tier, and on a joint return each spouse enrolled in Medicare pays their own premium and their own surcharge.
Two mechanics decide which row you are on. The income is the one from two years earlier, so a 2026 premium is set by the 2024 tax return, and a one-off spike raises the premium for a single year before falling away. And the tiers are cliffs rather than ramps: clearing a floor by one dollar moves the whole year into the higher row. The full threshold table and the combined Part B + Part D cost at a given income take those two points further.
Methodology
The standard premium is BASE_PART_B_2026 from QuantCalc's parity-tested IRMAA module (the 2026 CMS standard Part B rate); the surcharge on each row is that tier's partBMonthly in the 2026 CMS tier table (IRMAA_TIERS), and each total is the two added. See the 2026 IRMAA bracket dataset and the IRMAA cliff study.
Every figure on this page is computed at build time from QuantCalc's parity-tested calculation modules or a committed dataset — never hand-entered. Reference for research and planning only; not tax, legal, or investment advice.
Model this for your own numbers
The free QuantCalc calculator runs your actual balances, income, and filing status through the same parity-tested engine.
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Changelog
- v2026.1 — first publication. Figures computed from the 2026 tax-constants mirror and committed datasets.
Cite this dataset
QuantCalc Research (2026). What is the Medicare Part B premium for 2026?. https://quantcalc.app/answers/medicare-part-b-premium/ (accessed <date>).
BibTeX
@misc{quantcalc2026whatisthemedicarepartbpremiumfor2026,
title = {What is the Medicare Part B premium for 2026?},
author = {{QuantCalc Research}},
year = {2026},
url = {https://quantcalc.app/answers/medicare-part-b-premium/},
note = {Accessed <date>}
}Machine-readable citation metadata (schema.org identifier and citation fields) is embedded in this page's JSON-LD, at the stable identifier https://quantcalc.app/answers/medicare-part-b-premium/.