IRMAA Calculator
2026 premiums from 2024 income · reviewed September 4, 2026
$
Adjusted gross income plus tax-exempt interest, from the return filed two years before the premium year.
- Part B, monthly
- $284.10
- $202.90 + $81.20 surcharge
- Part D surcharge, monthly
- $14.50
- On top of the plan's own premium
- Cost of the tier, per year
- $1,148.40
- Above the standard premium
In the first surcharge tier: $95.70 a month more than the standard premium, $1,148.40 for the year. This tier began at $109,001; the next begins at $137,001, $17,000 away.
2026 tiers from CMS, applied to the income Social Security uses. If income fell after 2024 because of retirement, a death, a divorce, or another listed event, a more recent year can be used on request. The first threshold is $109,000 single and $218,000 joint. Educational, not advice.