Medicare 2026 IRMAA calculator.
This calculator provides an estimate based on 2026 Medicare IRMAA income brackets. Actual premiums may vary based on your plan and other factors.
Based on your filing status from 2024.
Part B breakdown
- Standard Part B premium
- $0.00
- IRMAA surcharge
- $0.00
- Total Part B premium
- $0.00
Part D breakdown
Based on the Part D national average. Your actual premium will depend on your specific plan.
- Part D plan premium
- $0.00
- IRMAA surcharge
- $0.00
- Total Part D premium
- $0.00
This calculator provides an estimate based on 2026 Medicare IRMAA income brackets. Actual premiums may vary based on your plan and other factors. For personalized advice, please contact our team.
What is IRMAA?
IRMAA stands for Income-Related Monthly Adjustment Amount. If your income is above a set level, Medicare adds a surcharge to your Part B and Part D premiums on top of the standard amount.
Social Security uses the income on your tax return from two years earlier, so 2026 premiums are based on your 2024 return. The brackets depend on whether you file as an individual or jointly.
If your income has gone down because of a life-changing event, such as retirement, you may be able to ask Social Security to use a more recent year. Book a consultation and we’ll look at your situation together.
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Read articleFrequently asked questions
What income is IRMAA based on?
Your modified adjusted gross income from the tax return two years earlier. For 2026 premiums, Social Security uses your 2024 return.
Can I appeal IRMAA?
If your income went down because of a life-changing event, such as retirement or the loss of a spouse, you can ask Social Security to use a more recent year with form SSA-44.
Does IRMAA apply to Part D too?
Yes. The surcharge applies to both Part B and Part D, and it is added on top of your plan’s premium.
Is this calculator exact?
No. It is an estimate based on the 2026 Medicare IRMAA income brackets. Your actual premiums may vary based on your plan and other factors.
Want help reading your results?
We can review your income bracket and Medicare costs with you, and talk through what may change next year.