2026 IRMAA Brackets
These are the full 2026 IRMAA brackets for every filing status. Find your 2024 income on the left, and the table shows your monthly Part B premium and Part D surcharge.
How to read these brackets
The standard 2026 Part B premium is $202.90 per month. If your income is above the first threshold, IRMAA replaces that standard premium with a higher one and adds a separate Part D surcharge. Remember that 2026 amounts are based on your 2024 Modified Adjusted Gross Income (MAGI) — adjusted gross income plus tax-exempt interest — because Medicare uses a two-year lookback.
IRMAA is a cliff: crossing a threshold by even one dollar moves you into the full surcharge for that tier. To test where you land and how close you are to the next bracket, use our IRMAA calculator.
2026 IRMAA brackets by filing status
Single, Head of Household, or Qualifying Widow(er)
| 2024 MAGI (single) | Monthly Part B premium | Monthly Part D surcharge |
|---|---|---|
| $0 – $108,999 | $202.90 | $0.00 |
| $109,000 – $136,999 | $284.10 | +$14.50 |
| $137,000 – $170,999 | $405.80 | +$37.60 |
| $171,000 – $204,999 | $527.50 | +$60.80 |
| $205,000 – $499,999 | $649.20 | +$83.90 |
| $500,000 and above | $689.90 | +$91.00 |
Married Filing Jointly
| 2024 MAGI (married, joint) | Monthly Part B premium | Monthly Part D surcharge |
|---|---|---|
| $0 – $217,999 | $202.90 | $0.00 |
| $218,000 – $273,999 | $284.10 | +$14.50 |
| $274,000 – $341,999 | $405.80 | +$37.60 |
| $342,000 – $409,999 | $527.50 | +$60.80 |
| $410,000 – $749,999 | $649.20 | +$83.90 |
| $750,000 and above | $689.90 | +$91.00 |
Married Filing Separately
| 2024 MAGI (separate) | Monthly Part B premium | Monthly Part D surcharge |
|---|---|---|
| $0 – $108,999 | $202.90 | $0.00 |
| $109,000 – $390,999 | $649.20 | +$83.30 |
| $391,000 and above | $689.90 | +$91.00 |
Source: CMS, 2026 Medicare Parts A & B Premiums and Deductibles.
What to do with this
If you are comfortably below the first threshold, you simply pay the standard premium. If you are near or above a threshold, there are legitimate ways to manage your income across tax years — see our IRMAA planning strategies. And if your income recently dropped because of a life event, you may be able to appeal your IRMAA rather than wait for the lookback to catch up. For the bigger picture, start with our overview of how IRMAA works.
Frequently Asked Questions
What income year sets my 2026 IRMAA?
Your 2026 IRMAA brackets are based on the Modified Adjusted Gross Income (MAGI) from your 2024 tax return, because Medicare uses a 2-year lookback.
What is the standard Part B premium in 2026?
The standard 2026 Part B premium is $202.90 per month. That is what you pay if your income is below the first IRMAA threshold; the brackets below show the higher amounts for higher incomes.
Why are the brackets different for married filing separately?
Married beneficiaries who file separately use a compressed schedule that jumps straight to a high surcharge tier at a much lower income, so most separate filers with meaningful income pay a large surcharge.
Do the Part D surcharges go to my drug plan?
No. The Part D IRMAA surcharge is paid directly to Medicare, separate from the premium you pay your private Part D or Medicare Advantage drug plan.
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Get My Free ReviewThis information is for educational purposes only and is not legal, tax, or insurance advice. Medicare rules, premiums, and income thresholds change annually — confirm current figures with Medicare.gov, the Social Security Administration, or a licensed advisor. HealthPlan Connect is not affiliated with or endorsed by the federal Medicare program or any government agency. Last reviewed 2026-06-11 by Lynsey Brennan, Licensed Medicare Advisor (FL #G007269).