2026 IRMAA Calculator
Find out if you'll pay higher Medicare premiums based on your income. IRMAA affects both Part B and Part D costs.
Based on your tax return from 2 years ago (2024 for 2026 premiums)
What is IRMAA?
IRMAA (Income-Related Monthly Adjustment Amount) is an additional premium that higher-income Medicare beneficiaries pay for Part B and Part D coverage. The Social Security Administration uses your tax return from 2 years ago to determine if you owe IRMAA surcharges.
Can IRMAA Be Reduced?
Yes! If you've experienced a life-changing event (retirement, divorce, death of spouse, loss of income) that significantly reduced your income, you may qualify for an IRMAA reduction. Our advisors can help you understand your options.
Frequently Asked Questions About IRMAA
Q: What is IRMAA?
A: IRMAA (Income-Related Monthly Adjustment Amount) is an extra charge added to your Medicare Part B and Part D premiums if your income exceeds certain thresholds. It is based on your income from two years prior.
Q: How do I know if I owe IRMAA?
A: If your modified adjusted gross income (MAGI) exceeded $103,000 (individual) or $206,000 (married filing jointly) in 2024, you likely owe IRMAA surcharges in 2026. Use this calculator to estimate your amount.
Q: Can I appeal my IRMAA?
A: Yes. If your income has decreased due to a life-changing event (retirement, marriage, divorce, loss of income), you can appeal your IRMAA determination using SSA Form SSA-44.
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