12 rows · reviewed 2026-11-04 · QuantCalc Research
Projected 2027 IRMAA brackets, set by your 2025 MAGI (the two-year lookback): no surcharge up to $112,000 single or $224,000 married filing jointly, and the top tier starts at $500,000 single / $750,000 joint, fixed by statute. The middle tiers are in the tables below. The official 2027 thresholds are expected in mid-November 2026.
| Tier | 2026 official MAGI band | 2027 projected MAGI band (2025 income) | Status |
|---|---|---|---|
| 0 | $0 – $109,000 | $0 – $112,000 | Projected |
| 1 | $109,001 – $137,000 | $112,001 – $141,000 | Projected |
| 2 | $137,001 – $171,000 | $141,001 – $176,000 | Projected |
| 3 | $171,001 – $205,000 | $176,001 – $211,000 | Projected |
| 4 | $205,001 – $499,999 | $211,001 – $499,999 | Lower edge projected |
| 5 | $500,000 and above | $500,000 and above | Set by statute |
| Tier | 2026 official MAGI band | 2027 projected MAGI band (2025 income) | Status |
|---|---|---|---|
| 0 | $0 – $218,000 | $0 – $224,000 | Projected |
| 1 | $218,001 – $274,000 | $224,001 – $282,000 | Projected |
| 2 | $274,001 – $342,000 | $282,001 – $352,000 | Projected |
| 3 | $342,001 – $410,000 | $352,001 – $422,000 | Projected |
| 4 | $410,001 – $749,999 | $422,001 – $749,999 | Lower edge projected |
| 5 | $750,000 and above | $750,000 and above | Set by statute |
2026 official thresholds: CMS, 2026 Medicare Parts A & B Premiums and Deductibles fact sheet (Nov 14, 2025). 2027 columns are QuantCalc projections.
Every figure in this table is generated from the canonical IRMAA Brackets 2027 reference on QuantCalc, not hand-typed into this widget. Plan Roth conversions, RMDs, and IRMAA exposure together with the Roth Conversion Planner.