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2026 Medicare premium tables

2026 IRMAA brackets for Medicare Part B and Part D

IRMAA is an income-related monthly adjustment amount added to Medicare premiums. These tables show the 2026 brackets, then link back to the calculator so you can test whether planned income could push you over a cliff.

Quick read

The first 2026 cliff starts above $109,000 for single filers

For joint filers, the first threshold starts above $218,000.

The thresholds act like cliffs

Going one dollar over a threshold can move the full year's premium surcharge to the next tier.

2026 premiums usually use 2024 MAGI

Social Security generally looks back two tax years when setting IRMAA.

2026 IRMAA tables

Monthly Part B premium means the full Part B premium after the IRMAA adjustment. Part D IRMAA is added separately to your drug plan premium.

Single, head of household, qualifying widow(er), or married filing separately and lived apart

Use this table for most individual filers.

2024 MAGI for 2026TierMonthly Part B premiumPart B IRMAAPart D IRMAA
$109,000 or lessStandard premium$202.90$0.00$0.00
$109,001 to $137,000Tier 1 IRMAA$284.10$81.20$14.50
$137,001 to $171,000Tier 2 IRMAA$405.80$202.90$37.50
$171,001 to $205,000Tier 3 IRMAA$527.50$324.60$60.40
$205,001 to $500,000Tier 4 IRMAA$649.20$446.30$83.30
Over $500,000Tier 5 IRMAA$689.90$487.00$91.00

Married filing jointly

Joint thresholds are twice the individual thresholds.

2024 MAGI for 2026TierMonthly Part B premiumPart B IRMAAPart D IRMAA
$218,000 or lessStandard premium$202.90$0.00$0.00
$218,001 to $274,000Tier 1 IRMAA$284.10$81.20$14.50
$274,001 to $342,000Tier 2 IRMAA$405.80$202.90$37.50
$342,001 to $410,000Tier 3 IRMAA$527.50$324.60$60.40
$410,001 to $1,000,000Tier 4 IRMAA$649.20$446.30$83.30
Over $1,000,000Tier 5 IRMAA$689.90$487.00$91.00

Married filing separately and lived with your spouse

This status uses compressed IRMAA tiers.

2024 MAGI for 2026TierMonthly Part B premiumPart B IRMAAPart D IRMAA
$109,000 or lessStandard premium$202.90$0.00$0.00
$109,001 to $391,000Married filing separately IRMAA$649.20$446.30$83.30
Over $391,000Top married filing separately IRMAA$689.90$487.00$91.00

Why the bracket table is not enough

The table tells you where the thresholds are. It does not show how close you are, how much a Roth conversion or capital gain changes the year, or what the monthly and annual premium jump would be.

Test your own numbers

Use the calculator to enter your MAGI and planned extra income. It estimates whether the scenario crosses into a higher 2026 IRMAA tier.

Open the calculator

Sources