Medicare premiums can vary widely depending on your income — and for higher earners, the Income-Related Monthly Adjustment Amount (IRMAA) can add hundreds of dollars per month to the standard Part B and Part D premiums. The chart below shows the projected 2026 IRMAA brackets, based on 2024 Modified Adjusted Gross Income (MAGI). These projections, drawn from the latest Medicare Trustees Report and financial publications, give you a preview of what to expect when the official numbers are released later in 2025. Use this tool to estimate your future costs and understand how IRMAA could affect your Medicare premiums next year.
Medicare IRMAA — 2026 (Projected)
| Single (2024 MAGI) |
Joint (2024 MAGI) |
Part B Total Monthly Premium |
Part D Monthly Add-On |
|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $206.50 | — |
| $109,001 – $137,000 | $218,001 – $274,000 | $289.10 | +$14.50 |
| $137,001 – $171,000 | $274,001 – $342,000 | $413.00 | +$37.50 |
| $171,001 – $205,000 | $342,001 – $410,000 | $536.90 | +$60.40 |
| $205,001 – $500,000 | $410,001 – $750,000 | $660.80 | +$83.30 |
| ≥ $500,001 | ≥ $750,001 | $702.10 | +$91.00 |
IRMAA Appeal
If your income has dropped since the tax year used to calculate IRMAA, you can ask Social Security to re-evaluate your premium. This is done by filing Form SSA-44 (Medicare Income-Related Monthly Adjustment Amount – Life-Changing Event) and providing proof of the change—such as retirement, reduced work hours, business sale, or loss of income-producing property. When approved, your IRMAA surcharge may be lowered or removed starting with the month your income decreased.