Medicare Premiums and IRMAA
Estimate scheduled 2026 Part B and Part D premiums from 2024 income, with the next income threshold shown.
- Methods explained
- Save scenarios
- Compare saved scenarios
- Household prefill
Income used for 2026 premiums
Coverage
Scheduled premiums
The next tier starts above $137,000 of MAGI; distance to that boundary: $17,000.
Published tiers for your filing status
| Tier | MAGI boundary | Part B / month | Part D / month | Household / year |
|---|---|---|---|---|
| 0 | Base | $203 | $35 | $2,855 |
| 1 | $109,000 | $284 | $50 | $4,003 |
| 2 | $137,000 | $406 | $73 | $5,740 |
| 3 | $171,000 | $528 | $95 | $7,475 |
| 4 | $205,000 | $649 | $118 | $9,210 |
| 5 | $500,000 | $690 | $126 | $9,791 |
Tiers 1–4 begin above their boundary. The highest tier begins at its boundary. Part D includes your entered plan premium.
How it works›
Two-year lookback. MAGI is adjusted gross income plus tax-exempt interest for this worksheet. The published 2026 schedule usually uses the 2024 tax return. This tool supports single and joint returns; married filing separately and immunosuppressive-drug-only Part B coverage are excluded.CMS: 2026 premiumsSSA POMS HI 01101.020
Actual bills and appeals. Enrollee count is entered explicitly, not inferred from age. The schedule excludes penalties, hold-harmless protection, assistance, one-time credits, Part A and Medigap. If income fell because of a qualifying life-changing event, SSA may accept a newer estimate using SSA-44; this page does not decide an appeal.SSA-44