IRMAA Calculator: the tiers
2026 law · reviewed September 5, 2026
| Individual return | Joint return | Part B adjustment | Part B total, monthly | Part D adjustment | Extra per year |
|---|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 | $0.00 | $0.00 |
| Over $109,000, up to $137,000 | Over $218,000, up to $274,000 | $81.20 | $284.10 | $14.50 | $1,148.40 |
| Over $137,000, up to $171,000 | Over $274,000, up to $342,000 | $202.90 | $405.80 | $37.50 | $2,884.80 |
| Over $171,000, up to $205,000 | Over $342,000, up to $410,000 | $324.60 | $527.50 | $60.40 | $4,620.00 |
| Over $205,000, under $500,000 | Over $410,000, under $750,000 | $446.30 | $649.20 | $83.30 | $6,355.20 |
| $500,000 and above | $750,000 and above | $487.00 | $689.90 | $91.00 | $6,936.00 |
Medicare income-related monthly adjustment amounts for 2026, by 2024 modified adjusted gross income (CMS). Married filing separately: $109,000 or less pays the standard premium; over that and under $391,000 pays the fifth row; $391,000 and above pays the sixth..
Educational only, not investment, tax, or legal advice. Results are hypothetical estimates that vary with each use and over time and are not guaranteed accurate or complete. Using this tool creates no client relationship with Considerate Capital, and the site that linked here is not affiliated with it. By using it you agree to the tool terms (opens in a new window).