What MAGI year is 2026 IRMAA?

The 2024 return (two-year lookback). SSA POMS HI 01101.020 and the CMS 2026 Parts A & B fact sheet. A life-changing event can be reported on Form SSA-44.

What is the 2026 standard Part B premium?

$202.90 per month. The annual Part B deductible is $283. IRMAA is added on top for MAGI above $109,000 (individual) or $218,000 (joint).

Does a couple pay twice?

Yes. IRMAA is per enrollee. Two people on Medicare in the same household each pay the Part B and Part D surcharge for their joint MAGI tier.

Married filing separately?

If you lived with your spouse at any time in the year, CMS uses a two-tier table that jumps to the high surcharge above $109,000. Lived apart all year: use the individual column.

Runs in your browser · Last updated 7 September 2026

Free Medicare IRMAA Calculator 2026

Free Medicare IRMAA calculator 2026. CMS Part B $202.90 plus MAGI tiers (2024 lookback) and Part D IRMAA. Browser tool — nothing is uploaded.

2024 filing status2024 MAGI ($)

2026 premiums from the CMS Parts A & B fact sheet and SSA POMS HI 01101.020. Standard Part B is $202.90/month; Part B deductible $283. MAGI is the 2024 return (two-year lookback). Part D IRMAA is on top of your plan premium. Per person — a couple on Medicare each pays the surcharge.

2026 Part B monthly

$284.10

Part B IRMAA monthly

$81.20

Part D IRMAA monthly

$14.50

Part B annual

$3,409.20

Combined IRMAA annual

$1,148.40

MAGI room before next tier

$17,000.00

How to use this tool

Pick the filing status on the 2024 return.
Enter 2024 MAGI (AGI plus tax-exempt interest, per the IRMAA definition).
Read 2026 Part B total, Part B IRMAA, Part D IRMAA, and room before the next cliff.

Worked example

Single, 2024 MAGI $109,000: standard Part B $202.90, no IRMAA. One extra dollar of MAGI moves 2026 Part B to $284.10 ($81.20 IRMAA) plus $14.50 Part D IRMAA — about $1,148 a year of surcharge. Joint MAGI $300,000 is the $405.80 Part B tier. This is a premium table, not a tax return.

Frequently asked questions

What MAGI year is 2026 IRMAA?: The 2024 return (two-year lookback). SSA POMS HI 01101.020 and the CMS 2026 Parts A & B fact sheet. A life-changing event can be reported on Form SSA-44.
What is the 2026 standard Part B premium?: $202.90 per month. The annual Part B deductible is $283. IRMAA is added on top for MAGI above $109,000 (individual) or $218,000 (joint).
Does a couple pay twice?: Yes. IRMAA is per enrollee. Two people on Medicare in the same household each pay the Part B and Part D surcharge for their joint MAGI tier.
Married filing separately?: If you lived with your spouse at any time in the year, CMS uses a two-tier table that jumps to the high surcharge above $109,000. Lived apart all year: use the individual column.
Uploaded?: No.