2026 Medicare IRMAA Calculator
Higher-income beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of their standard Part B and Part D premiums. Find out what you owe.
What Is IRMAA?
IRMAA is an extra monthly surcharge added to your Part B and Part D premiums if your income exceeds certain thresholds. It is determined by Medicare using your tax return from two years prior — so your 2026 IRMAA is based on your 2024 Modified Adjusted Gross Income (MAGI).
If your income dropped significantly due to retirement, loss of a spouse, divorce, or other life event, you can appeal your IRMAA determination using SSA Form SSA-44. A Medicare broker can help you navigate this.
Select how you file your taxes:
Select the 2024 MAGI income bracket you fall within:
Based on your 2024 Modified Adjusted Gross Income (MAGI).
This calculator is for educational purposes only. IRMAA surcharge amounts are based on 2024 MAGI and are set annually by CMS. Figures may vary. Always confirm your IRMAA with your Medicare notice or a licensed broker.