Estimate Your 2026 Part B & Part D Premiums
IRMAA (Income-Related Monthly Adjustment Amount) is based on your 2024 tax return — Social Security uses a 2-year lookback. Enter your 2024 modified adjusted gross income (MAGI) below.
Your estimated monthly Part B premium
$202.90
Brackets are cliffs, not slopes — going even $1 over a threshold moves you up an entire tier. If your income has dropped since 2024 due to retirement, divorce, or another life-changing event, file Form SSA-44 to request a reduction. Figures from the CMS 2026 fact sheet.
2026 IRMAA Brackets Reference
| Individual | Joint | Part B | Part D Surcharge |
|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 | $0 |
| $109,001 – $137,000 | $218,001 – $274,000 | $284.10 | $14.50 |
| $137,001 – $171,000 | $274,001 – $342,000 | $405.80 | $37.50 |
| $171,001 – $205,000 | $342,001 – $410,000 | $527.50 | $60.40 |
| $205,001 – $500,000 | $410,001 – $750,000 | $649.20 | $83.30 |
| > $500,000 | > $750,000 | $689.90 | $91.00 |
Important Disclaimer
CaliforniaMedicare.com is not connected with or endorsed by the United States government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. This calculator provides estimates for educational purposes only, using figures published in the CMS 2026 Medicare Parts A & B Premiums and Deductibles fact sheet (November 14, 2025). Results are not an official determination of your premiums, penalties, or eligibility — only the Social Security Administration and CMS can make official determinations, which depend on your individual records. Verify your specific amounts at Medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).
Frequently Asked Questions
What year's income determines my 2026 IRMAA?
Your 2024 tax return. Social Security uses a 2-year lookback, so 2026 premiums are based on your 2024 modified adjusted gross income.
Can I appeal my IRMAA?
Yes. If a life-changing event (retirement, divorce, death of spouse, work stoppage) reduced your income, file Form SSA-44 to have Social Security use your current, lower income instead.
Are IRMAA brackets gradual?
No — they're cliffs. Earning even $1 over a threshold moves you up an entire tier. Income planning near bracket edges can save thousands per year.