2026 IRMAA Brackets: Official Part B & Part D Surcharges
Last updated · Sources: CMS, SSA, BLS
These are the official 2026 figures announced by the Centers for Medicare & Medicaid Services on November 14, 2025. They apply to premiums for January–December 2026 and are based on the MAGI reported on your 2024 federal tax return.
| Tier | Single / HoH / QSS MAGI | Married filing jointly MAGI | Part B IRMAA / mo | Part B total / mo | Part D IRMAA / mo |
|---|---|---|---|---|---|
| None | $109,000 or less | $218,000 or less | $0.00 | $202.90 | $0.00 |
| 1 | > $109,000 to ≤ $137,000 | > $218,000 to ≤ $274,000 | $81.20 | $284.10 | $14.50 |
| 2 | > $137,000 to ≤ $171,000 | > $274,000 to ≤ $342,000 | $202.90 | $405.80 | $37.50 |
| 3 | > $171,000 to ≤ $205,000 | > $342,000 to ≤ $410,000 | $324.60 | $527.50 | $60.40 |
| 4 | > $205,000 to < $500,000 | > $410,000 to < $750,000 | $446.30 | $649.20 | $83.30 |
| 5 | $500,000 or more | $750,000 or more | $487.00 | $689.90 | $91.00 |
Married filing separately
If you were married, lived with your spouse at any time during 2024, and filed separately, a compressed three-band table applies:
| MAGI | Part B IRMAA / mo | Part B total / mo | Part D IRMAA / mo |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 |
| > $109,000 and < $391,000 | $446.30 | $649.20 | $83.30 |
| $391,000 or more | $487.00 | $689.90 | $91.00 |
How to read the table
- The Part B “total” is the $202.90 standard premium plus the IRMAA add-on. Each Medicare enrollee pays separately, so a married couple both on Part B each pay it.
- Part D IRMAA is added to whatever your drug plan (or Medicare Advantage plan with drug coverage) charges. It is paid to Medicare, not your plan.
- Thresholds are cliffs: $1 above a threshold puts you into the next tier for the whole year.
Source: CMS fact sheet: 2026 Medicare Parts A & B Premiums and Deductibles. Looking ahead? See the projected 2027 IRMAA brackets.
Questions
What is the 2026 Medicare Part B premium?
The standard 2026 Part B premium is $202.90 per month, up from $185.00 in 2025. The 2026 Part B deductible is $283.
What income triggers IRMAA in 2026?
2026 IRMAA applies if your 2024 MAGI was more than $109,000 (individual return) or more than $218,000 (joint return).
What is the maximum 2026 IRMAA?
At MAGI of $500,000 or more ($750,000 joint), the Part B IRMAA is $487.00/month (total Part B $689.90) and the Part D IRMAA is $91.00/month on top of your plan premium.