Enter your income and filing status to instantly see whether you'll owe a Medicare high-income surcharge in 2026 — and exactly how much more you'll pay for Part B and Part D.
IRMAA for 2026 is based on your 2024 tax return (a two-year lookback). MAGI = your AGI plus any tax-exempt interest.
You're below the IRMAA threshold — you pay the standard Part B premium with no surcharge.
Estimate only — confirm your exact premium at Medicare.gov or SSA.gov.
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to your Medicare Part B and Part D premiums if your income is above a set threshold. It starts at $109,000 in modified adjusted gross income (MAGI) for single filers and $218,000 for married couples filing jointly.
Social Security uses your tax return from two years prior — so your 2026 surcharge is based on your 2024 income. If a life-changing event (like retirement) reduced your income since then, you can appeal using Form SSA-44.
Brackets and premium figures reflect 2026 amounts published by Social Security and CMS. This tool is for educational estimates only — confirm your exact premium at Medicare.gov or SSA.gov. Read the full IRMAA guide →