Medicare IRMAA Calculator 2026
Medicare IRMAA Calculator
Find out if your income triggers higher Medicare premiums in 2026 — and what you can do about it.
What is IRMAA?
IRMAA stands for Income-Related Monthly Adjustment Amount. It is a surcharge added on top of your standard Medicare Part B and Part D premiums if your income exceeds certain thresholds.
The key thing to understand: IRMAA is based on your income from two years ago. So your 2026 Medicare premiums are determined by your 2024 Modified Adjusted Gross Income (MAGI) — the number on line 11 plus line 2a of your Form 1040.
If your income has dropped significantly since 2024 — due to retirement, reduced work, or a life event — you may be able to appeal your IRMAA determination and lower your premiums now.
Calculate Your IRMAA
2024 Income (determines your 2026 IRMAA)
Line 11 + Line 2a from your 2024 Form 1040
Current Year Estimate (optional — for appeal consideration)
If your income has changed, enter your current estimate
2026 Official IRMAA Rates
Based on your 2024 Modified Adjusted Gross Income (MAGI)
| Individual | Joint | Married / Separate | Part B / mo | Part D surcharge / mo |
|---|---|---|---|---|
| $0 – $109,000 | $0 – $218,000 | $0 – $109,000 | $202.90 | $0.00 |
| $109,001 – $137,000 | $218,001 – $274,000 | N/A | $284.10 | +$14.50 |
| $137,001 – $171,000 | $274,001 – $342,000 | N/A | $405.80 | +$37.50 |
| $171,001 – $205,000 | $342,001 – $410,000 | N/A | $527.50 | +$60.40 |
| $205,001 – $499,999 | $410,001 – $749,999 | $109,001 – $390,999 | $649.20 | +$83.30 |
| $500,000 or above | $750,000 or above | $391,000 or above | $689.90 | +$91.00 |
Individual: $0 – $109,000
Joint: $0 – $218,000
Part D surcharge: None
Individual: $109,001 – $137,000
Joint: $218,001 – $274,000
Part D surcharge: +$14.50/mo
Individual: $137,001 – $171,000
Joint: $274,001 – $342,000
Part D surcharge: +$37.50/mo
Individual: $171,001 – $205,000
Joint: $342,001 – $410,000
Part D surcharge: +$60.40/mo
Individual: $205,001 – $499,999
Joint: $410,001 – $749,999
Part D surcharge: +$83.30/mo
Individual: $500,000+
Joint: $750,000+
Part D surcharge: +$91.00/mo
•IRMAA is based on income from 2 years prior.
•These rates are for 2026 and subject to annual adjustments.
•Part D surcharge applies to all Part D plans and Medicare Advantage plans with drug coverage.
IRMAA Appeal Process
If your income has dropped since 2024 due to a qualifying life event, you can ask Social Security to use a more recent year's income instead. A successful appeal can reduce or eliminate your IRMAA surcharge immediately.
How to Submit Your Appeal
- 1Complete Form SSA-44 — Download and fill out the Medicare Income-Related Monthly Adjustment Amount Life-Changing Event form.
- 2Gather Documentation — Collect documents that prove your qualifying life event. You can still appeal without proof by attesting to the event.
- 3Submit Your Appeal — Submit online at SSA.gov, or mail your completed form and documentation to Social Security within 60 days of your IRMAA notice.
Not Sure Where You Stand?
IRMAA can add hundreds of dollars a month to your Medicare costs. I can review your situation, help you understand your options, and walk you through an appeal if it makes sense for you — at no cost.