Medicare Premium Calculator
Your 2026 Medicare Part B premium, including IRMAA surcharges by income tier.
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About the Medicare Premium Calculator
Estimates your 2026 Medicare Part B monthly premium, including any Income-Related Monthly Adjustment Amount (IRMAA) surcharge based on your income tier, plus an optional estimated Part D IRMAA surcharge.
- Select your tax filing status.
- Enter your MAGI from 2 years ago.
- Choose whether to include an estimated Part D IRMAA surcharge.
- Read your total monthly premium and IRMAA breakdown.
A single filer with $250,000 in MAGI two years ago falls in the $205,001-$499,999 IRMAA tier, paying $649.20/month for Part B — a $446.30 surcharge over the $202.90 standard premium.
| MAGI (single) | MAGI (joint) | Part B premium/mo |
|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 (standard) |
| ≤ $137,000 | ≤ $274,000 | $284.10 |
| ≤ $171,000 | ≤ $342,000 | $405.80 |
| ≤ $205,000 | ≤ $410,000 | $527.50 |
| ≤ $500,000 | ≤ $750,000 | $649.20 |
| Above | Above | $689.90 |
IRMAA is assessed on your MAGI from two years earlier — 2026 premiums use your 2024 tax return. If your income has since dropped due to a qualifying life event, you can request a redetermination using SSA Form SSA-44. Married filing separately uses a much lower, different income threshold not modeled here.
- • IRMAA is a cliff, not a smooth ramp — a dollar of extra income that pushes you over a bracket line can add tens of dollars a month.
- • Brackets shift most years.
- • If your income has since dropped due to a qualifying life event, SSA Form SSA-44 lets you request a new determination.
- CMS — 2026 Medicare Parts B Premiums and Deductibles (fact sheet) — accessed 2026-08-31
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.