Medicare Premium Estimator 2026
Estimate your Medicare Part B and Part D premiums for 2026 based on your income, including IRMAA surcharges for higher earners.
Income used: 2 years prior (2024 MAGI for 2026 premiums)
2026 Medicare Part B IRMAA Brackets
| Tier | Income Range (Single) | Monthly Premium |
|---|---|---|
| ▶ Base Premium | $0 – $103,000 | $185.00 |
| IRMAA Tier 1 | $103,001 – $129,000 | $259.00 |
| IRMAA Tier 2 | $129,001 – $161,000 | $370.00 |
| IRMAA Tier 3 | $161,001 – $193,000 | $480.00 |
| IRMAA Tier 4 | $193,001 – $499,999 | $591.00 |
| IRMAA Tier 5 | $500,000 – ∞ | $628.00 |
2026 Medicare Part B Premium by Income
Medicare Part B covers outpatient services, doctor visits, and preventive care. Most people pay the standard premium, but higher earners pay more through IRMAA:
| Annual Income (Single) | Annual Income (MFJ) | Monthly Premium | |------------------------|---------------------|-----------------| | ≤ $103,000 | ≤ $206,000 | $185.00 | | $103,001 – $129,000 | $206,001 – $258,000 | $259.00 | | $129,001 – $161,000 | $258,001 – $322,000 | $370.00 | | $161,001 – $193,000 | $322,001 – $386,000 | $480.00 | | $193,001 – $499,999 | $386,001 – $749,999 | $591.00 | | ≥ $500,000 | ≥ $750,000 | $628.00 |
How to Appeal IRMAA
If your income dropped significantly since the base year (retirement, divorce, death of spouse), you can appeal using Form SSA-44. The SSA will use a more recent tax year if a life-changing event reduced your income.
Frequently Asked Questions
Q: What is the 2026 Medicare Part B base premium?
A: The standard Medicare Part B premium for 2026 is approximately $185 per month. Higher-income beneficiaries pay more through IRMAA surcharges, ranging from $259 to $628/month depending on income.
Q: What is IRMAA?
A: IRMAA (Income-Related Monthly Adjustment Amount) is an additional Medicare premium surcharge for beneficiaries whose Modified Adjusted Gross Income (MAGI) exceeds certain thresholds. It uses your tax return from 2 years prior (2024 income determines 2026 premiums).
Q: What income is used to calculate Medicare premiums?
A: Medicare uses your MAGI from 2 years prior. For 2026 premiums, the SSA uses your 2024 tax return. MAGI includes all taxable income plus tax-exempt interest and certain excluded foreign income.
Official Sources & Authority References
Important Disclaimer
This calculator provides estimates for informational purposes only and does not constitute tax, legal, or financial advice. Tax laws change annually — verify figures with IRS.gov or consult a qualified tax professional before making financial decisions.
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