Medicare 保費試算機 2026
根據您的收入估算 2026 年 Medicare B 部分保費，包含高收入族群的 IRMAA 附加費。
收入依據：2 年前資料（2024 MAGI 適用於 2026 保費）
2026 年 Medicare B 部分 IRMAA 級距
| 級距 | 收入範圍（單身） | 月保費 |
|---|---|---|
| ▶ 基本保費 | $0 – $103,000 | $185.00 |
| IRMAA 第 1級 | $103,001 – $129,000 | $259.00 |
| IRMAA 第 2級 | $129,001 – $161,000 | $370.00 |
| IRMAA 第 3級 | $161,001 – $193,000 | $480.00 |
| IRMAA 第 4級 | $193,001 – $499,999 | $591.00 |
| IRMAA 第 5級 | $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.
常見問題 (FAQ)
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
重要免責聲明
本計算機提供之結果僅供參考，不構成稅務、法律或財務建議。稅法每年調整，請於申報前到 IRS.gov 核實數據，或談詢具資格的稅務專業人員。
