2026 IRMAA Brackets
The complete Medicare Income-Related Monthly Adjustment Amount (IRMAA) schedule for 2026 — Part B and Part D surcharges by Modified Adjusted Gross Income (MAGI) and filing status, with the resulting total monthly Part B premium.
| Tier | MAGI (2024 income) | Part B surcharge / mo | Part D surcharge / mo | Total surcharge / mo | Total Part B premium / mo |
|---|---|---|---|---|---|
| 0 | $0 – $109,000 | $0.00 | $0.00 | $0.00 | $202.90 |
| 1 | $109,001 – $137,000 | $81.20 | $14.50 | $95.70 | $284.10 |
| 2 | $137,001 – $171,000 | $202.90 | $37.50 | $240.40 | $405.80 |
| 3 | $171,001 – $205,000 | $324.60 | $60.40 | $385.00 | $527.50 |
| 4 | $205,001 – $500,000 | $446.30 | $83.30 | $529.60 | $649.20 |
| 5 | $500,001 and above | $487.00 | $91.00 | $578.00 | $689.90 |
| Tier | MAGI (2024 income) | Part B surcharge / mo | Part D surcharge / mo | Total surcharge / mo | Total Part B premium / mo |
|---|---|---|---|---|---|
| 0 | $0 – $218,000 | $0.00 | $0.00 | $0.00 | $202.90 |
| 1 | $218,001 – $274,000 | $81.20 | $14.50 | $95.70 | $284.10 |
| 2 | $274,001 – $342,000 | $202.90 | $37.50 | $240.40 | $405.80 |
| 3 | $342,001 – $410,000 | $324.60 | $60.40 | $385.00 | $527.50 |
| 4 | $410,001 – $750,000 | $446.30 | $83.30 | $529.60 | $649.20 |
| 5 | $750,001 and above | $487.00 | $91.00 | $578.00 | $689.90 |
Surcharges shown are per person. A married couple where both spouses are on Medicare each pay their own surcharge, so the household total is double the figures above.
Download CSVHow IRMAA works in 2026
IRMAA is an income-based surcharge added to your standard Medicare Part B and Part D premiums. It is set by your Modified Adjusted Gross Income (MAGI = adjusted gross income + tax-exempt interest) using a two-year lookback: your 2026 premiums are determined by your 2024 tax return. The brackets are a hard cliff — one dollar over a threshold moves you into the next tier for the entire year, so income events like Roth conversions, capital gains, and required minimum distributions are worth timing carefully.
Common questions
- What are the 2026 IRMAA brackets?
- Six tiers set by MAGI. No surcharge up to $109,000 single / $218,000 MFJ; the top tier (over $500,000 single / $750,000 MFJ) adds $578.00/month per person. See the tables above for every tier.
- What is the 2026 standard Part B premium?
- The base premium used here is $202.90/month. IRMAA is added on top, so a Tier 1 enrollee pays $284.10 for Part B plus a $14.50 Part D surcharge.
- Which year's income sets my 2026 IRMAA?
- Your 2024 MAGI, via the two-year lookback.
- What counts toward MAGI?
- AGI plus tax-exempt interest. Roth conversions, capital gains, and RMDs all raise AGI and can push you to a higher tier.