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IRMAA 2026: Medicare Income-Related Premiums
If your income is above certain limits, you pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of your Part B premium and your Part D plan premium. For 2026, Social Security generally uses the income on your 2024 tax return.
2026 IRMAA brackets
| Individual return (2024 MAGI) | Joint return (2024 MAGI) | Part B total monthly premium | Part D extra per month |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0 |
| Above $109,000 up to $137,000 | Above $218,000 up to $274,000 | $284.10 | $14.50 |
| Above $137,000 up to $171,000 | Above $274,000 up to $342,000 | $405.80 | $37.50 |
| Above $171,000 up to $205,000 | Above $342,000 up to $410,000 | $527.50 | $60.40 |
| Above $205,000 and less than $500,000 | Above $410,000 and less than $750,000 | $649.20 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $91.00 |
Married, lived with your spouse, and filing separately: above $109,000 and less than $391,000 pays $649.20 for Part B and $83.30 extra for Part D; $391,000 or more pays $689.90 and $91.00.
How IRMAA is collected
Social Security sends a letter if you owe IRMAA. Part D IRMAA is paid to Medicare (usually deducted from your Social Security benefit), not to your drug plan.
Appealing IRMAA after a life-changing event
If your income has dropped because of retirement, reduced work hours, marriage, divorce, death of a spouse or loss of income-producing property, you can ask Social Security to use more recent income with form SSA-44.
Sources: CMS 2026 Parts A & B premiums and deductibles (includes Part D IRMAA); SSA: Medicare premiums.
Frequently asked questions
What are the IRMAA brackets for 2026?
For individuals, IRMAA starts above $109,000 of 2024 income; for joint filers, above $218,000. The Part B premium then ranges from $284.10 to $689.90 a month, and Part D adds $14.50 to $91.00.
What year’s income is used for 2026 IRMAA?
Social Security generally uses your 2024 tax return.
Can I lower my IRMAA if I retired?
Yes. If retirement or another life-changing event lowered your income, you can ask Social Security to reconsider using form SSA-44.
Does IRMAA apply to Medicare Advantage?
You pay Part B IRMAA with any Medicare coverage. If your Medicare Advantage Plan includes drug coverage, Part D IRMAA applies too.
Talk with a licensed agent
Questions about your Medicare options? Call 1-844-438-6284 (TTY 711) or request a free, no-obligation quote. We do not offer every plan available in your area.
Sources for 2026 figures: CMS 2026 Medicare Parts A & B Premiums and Deductibles; Medicare.gov: Medicare costs; Medicare.gov: Part D costs. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048).