IRMAA brackets 2026
In 2026 you pay more than the standard $202.90 Part B premium if your 2024 income was over $109,000 (single) or $218,000 (married filing jointly). Enter your income to see your premium.
| 2024 income | Part B / month | Part D add-on |
|---|---|---|
| $109,000 or less | $202.90 | $0.00 |
| $109,001 – $137,000 | $284.10 | $14.50 |
| $137,001 – $171,000 (your bracket) | $405.80 | $37.50 |
| $171,001 – $205,000 | $527.50 | $60.40 |
| $205,001 – $499,999 | $649.20 | $83.30 |
| $500,000 or more | $689.90 | $91.00 |
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.2026 IRMAA brackets for Part B and Part D
IRMAA stands for Income-Related Monthly Adjustment Amount. It is an extra charge on top of your Medicare premiums. Social Security sets it from the income on your tax return from two years earlier.
| Single | Married filing jointly | Part B / month | Part D add-on |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 |
| $109,001 – $137,000 | $218,001 – $274,000 | $284.10 | $14.50 |
| $137,001 – $171,000 | $274,001 – $342,000 | $405.80 | $37.50 |
| $171,001 – $205,000 | $342,001 – $410,000 | $527.50 | $60.40 |
| $205,001 – $499,999 | $410,001 – $749,999 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $91.00 |
Income is 2024 modified adjusted gross income. The Part D add-on is paid on top of your drug plan's own premium.
Married, filing separately
If you lived with your spouse at any time in 2024 and filed separately, there are only three brackets, and they start high:
| Income | Part B / month | Part D add-on |
|---|---|---|
| $109,000 or less | $202.90 | $0.00 |
| $109,001 – $390,999 | $649.20 | $83.30 |
| $391,000 or more | $689.90 | $91.00 |
How to lower your IRMAA
IRMAA looks back two years. If your income has dropped since 2024 because your life changed, you can ask Social Security to use a more recent year instead. You do this with Form SSA-44. Social Security accepts 8 life-changing events:
- Marriage
- Divorce or annulment
- Death of your spouse
- You stopped working
- You cut back your work hours
- You lost income from property because of a disaster or crime
- Your pension stopped or was cut
- You received a settlement from an employer that closed or went bankrupt
These are not life-changing events
The lowest IRMAA bracket costs $81.20 a month in 2026. One month of savings pays for the kit.
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.
- SSA-44 walkthrough for all 8 life-changing events
- Evidence checklist for your event
- What gets rejected, and why
- Income estimate worksheet
- Plus 3 free bonuses, including the Printable SSA-44 Evidence Checklist
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The official forms are free from ssa.gov and cms.gov. The kit is the help filling them in and proving your case. See everything inside
Questions people ask
Which year's income is used for 2026 IRMAA?
Your 2024 tax return, filed in 2025. If the IRS only has your 2023 return, Social Security uses that and corrects it later.
What counts as income (MAGI) for IRMAA?
Your adjusted gross income (Form 1040, line 11) plus tax-exempt interest (line 2a). Roth IRA withdrawals do not count. Roth conversions, capital gains and required minimum distributions do.
Do both spouses pay IRMAA?
Yes, if both are on Medicare. Each person pays the surcharge on their own premium, so a married couple in the same bracket pays it twice.
Can I lower my IRMAA?
Yes, if your income dropped because of one of 8 life-changing events, such as retiring, cutting back work, divorce, or the death of a spouse. You ask with Form SSA-44. A one-time Roth conversion or home sale is not a life-changing event.
When will the 2027 IRMAA brackets come out?
CMS usually announces the next year's Part B premium and brackets in mid-November. The 2027 brackets will be based on your 2025 income.