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 – $499,999 | $446.30 | $83.30 | $529.60 | $649.20 |
| 5 | $500,000 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 – $749,999 | $446.30 | $83.30 | $529.60 | $649.20 |
| 5 | $750,000 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.
Looking a year ahead? CMS announces the 2027 amounts around November 2026 — see the projected 2027 IRMAA brackets and the indexing method behind them.
Download CSV2026 IRMAA brackets and premiums chart
Total monthly Medicare premium per person by 2026 IRMAA bracket — the standard Part B premium of $202.90 plus that tier’s Part B and Part D surcharges. The dollar amounts are the same for both filing statuses; only the MAGI band that lands you in a tier changes. Exact figures for every column are in the tables above.
Your Part D plan premium is not included — it varies by plan and is paid on top of the Part D surcharge shown here.
Single, head of household, or married filing separately (lived apart)
Married filing jointly
How 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.
What this means if you are planning
Every threshold in the tables above is a MAGI cliff, and because of the two-year lookback the income year that sets a future premium is always the one you are living in now — your 2026 income decides your 2028 tier. Roth conversions, capital gains and RMDs all move MAGI, so the moves that shape your long-term tax bill are the same moves that decide which row of these tables you land in.
Sizing a conversion against these cliffs is the hard part: convert too much in one year and the extra Medicare surcharge can eat into the tax you saved. Model IRMAA-aware conversion sizing with the Roth Conversion Planner ($49) →
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.