💊 Calculator IRMAA Part B Part D 2026
Medicare IRMAA Premium Calculator (2026)
Medicare Part B and Part D charge income-based surcharges called IRMAA (Income-Related Monthly Adjustment Amount) on top of the base premium. The 2026 surcharge is determined by your 2024 tax return — there is a two-year lookback. This calculator returns the monthly premium across all 5 IRMAA brackets.
IRMAA bracket: —
Part B monthly premium (2026): —
Part D IRMAA surcharge (2026): —
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2026 IRMAA brackets (single & MFJ)
| Single 2024 MAGI | MFJ 2024 MAGI | Part B premium | Part D surcharge |
|---|---|---|---|
| ≤ $103,000 | ≤ $206,000 | $202.90 (base) | $0 |
| $103,001 – $129,000 | $206,001 – $258,000 | $284.10 | +$13.70 |
| $129,001 – $161,000 | $258,001 – $322,000 | $405.40 | +$35.30 |
| $161,001 – $193,000 | $322,001 – $386,000 | $526.70 | +$57.00 |
| $193,001 – $499,999 | $386,001 – $749,999 | $648.00 | +$78.60 |
| ≥ $500,000 | ≥ $750,000 | $688.40 | +$85.80 |
(MFS — married filing separately, lived with spouse — uses different brackets: ≥ $103,000 jumps to bracket 5 directly. Most retirees fall into single or MFJ.)
How to avoid (or appeal) IRMAA
- Two-year lookback. Your 2024 tax return determines 2026 IRMAA. Roth conversions in 2024 hit you in 2026.
- Life-Changing Event appeal (Form SSA-44). Retirement, marriage, divorce, spouse death, work stoppage, work reduction, loss of income-producing property, loss of pension, employer settlement payment — eight qualifying events let you ask SSA to use a more recent year. Most retirees miss this in their first Medicare year.
- Charitable giving via QCD. Qualified Charitable Distribution from an IRA (after age 70½) reduces MAGI directly — unlike donating after withdrawal, which doesn't.
- Spread Roth conversions. Doing $50,000 over 5 years often keeps you below brackets that $250,000 in one year crosses several times.