IRMAA 2027: projected brackets and Part B premium
The 2027 IRMAA brackets will be based on your 2025 income. Until CMS announces the official numbers, expect the standard Part B premium to be about $209.50 a month, with surcharges starting above roughly $112,000 (single) or $224,000 (joint).
These are estimates, not official figures
| 2025 income | Part B / month | Part D add-on |
|---|---|---|
| $112,000 or less | $209.50 | $0.00 |
| $112,001 – $141,000 | $293.30 | Not announced |
| $141,001 – $176,000 (your bracket) | $419.00 | Not announced |
| $176,001 – $211,000 | $544.70 | Not announced |
| $211,001 – $499,999 | $670.40 | Not announced |
| $500,000 or more | $712.30 | Not announced |
Retired, cut back hours, divorced, married, or lost your spouse? Social Security will recalculate with Form SSA-44. The IRMAA Appeal Kit shows you exactly how to fill it in and what proof to send.
14-day money-back guarantee. Instant PDF download.Estimated 2027 IRMAA brackets
IRMAA (Income-Related Monthly Adjustment Amount) is the extra amount higher-income people pay for Medicare. Each bracket's Part B premium is a fixed multiple of the standard premium, so when the standard premium goes up, every bracket goes up with it.
| Single (2025 income) | Joint (2025 income) | Part B 2027 (est.) | Part B 2026 |
|---|---|---|---|
| $112,000 or less | $224,000 or less | $209.50 | $202.90 |
| $112,001 – $141,000 | $224,001 – $282,000 | $293.30 | $284.10 |
| $141,001 – $176,000 | $282,001 – $352,000 | $419.00 | $405.80 |
| $176,001 – $211,000 | $352,001 – $422,000 | $544.70 | $527.50 |
| $211,001 – $499,999 | $422,001 – $749,999 | $670.40 | $649.20 |
| $500,000 or more | $750,000 or more | $712.30 | $689.90 |
Married filing separately (lived with spouse): an estimated $670.40 a month above $112,000 and $712.30 at $388,000 or more. Part D surcharges for 2027 have not been announced.
What to do before your notice arrives
- Find your 2025 tax return. Add line 11 (adjusted gross income) and line 2a (tax-exempt interest). That is the number Social Security will use.
- Put it into the calculator above to see roughly what you will pay in 2027.
- If your income dropped in 2026 because you stopped working, cut back hours, married, divorced, or lost your spouse, plan to file Form SSA-44 when your notice comes.
- Keep the paperwork that proves the change: a letter from your employer, a divorce decree, a death certificate, or pension statements.
Everything you need to fill out Form SSA-44, prove your life-changing event, and stop paying a surcharge based on income you no longer have.
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- Evidence checklist for your event
- What gets rejected, and why
- Income estimate worksheet
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Questions people ask
When are the 2027 IRMAA brackets announced?
CMS usually announces the next year's Part B premium and IRMAA amounts in mid-November. The 2026 figures came out on November 14, 2025. This page switches to the official numbers as soon as they are published.
Which income counts for 2027 IRMAA?
Your 2025 tax return, filed in 2026. Social Security looks back two years.
When will I find out if I owe IRMAA in 2027?
Social Security mails IRMAA notices in late November and December. The letter shows the income they used and your new premium.
My 2025 income was high because I retired or lost my spouse. Can I lower 2027 IRMAA?
Yes. If your income has dropped because of a life-changing event, file Form SSA-44 and ask Social Security to use your 2026 income instead. You can file as soon as you get your notice.