2026 IRMAA Calculator
IRMAA (the Income-Related Monthly Adjustment Amount) is the income-related surcharge that higher earners pay on top of their standard Medicare Part B and Part D premiums. It is based on your Modified Adjusted Gross Income (MAGI) from two years prior, so your 2024 income determines your 2026 premiums. Use the calculator below to estimate whether a surcharge may apply to you.
2026 IRMAA Calculator
Estimate your 2026 Medicare premium surcharges
Source: CMS 2026 Medicare Parts A & B Premiums and Deductibles. Based on 2024 income.
* This calculator provides estimates based on the 2026 IRMAA brackets. Your actual surcharge is set by Social Security from your 2024 tax return. If your income has dropped due to a life-changing event, you may be able to request a reduction (Form SSA-44).
Estimates use the latest published IRMAA brackets; confirm your exact surcharge with a licensed advisor.
How IRMAA Works in 2026
Most people pay the standard Part B premium, but higher earners pay an added surcharge called IRMAA. Social Security looks at your Modified Adjusted Gross Income (MAGI) from your tax return two years earlier, compares it to the current income brackets, and adds the surcharge to both your Part B and your Part D premiums. Because of the two-year lookback, a single high-income year — from selling a home, a large retirement withdrawal, or a Roth conversion — can raise your premiums even after your income drops.
If a life-changing event such as retirement, the loss of a spouse, or divorce has reduced your income, you can ask Social Security to use more recent figures by filing Form SSA-44. The calculator above estimates your surcharge from the latest published brackets so you can plan ahead, but your official determination comes from Social Security each year.
Worried IRMAA will raise your costs? A licensed Medicare advisor can review your situation, explain your options, and help you compare plans — at no cost and with no obligation. Start with a free Medicare review or learn how to lower your Medicare costs.