Choose your filing status and enter your MAGI, then check to see your 2026 IRMAA band.
About the Medicare IRMAA bracket checker
The Medicare IRMAA bracket checker maps your tax filing status and modified adjusted gross income (MAGI) to the published 2026 income-related monthly adjustment amount for Medicare Part B and Part D. Pick your filing status, enter your MAGI, and it shows the surcharge band, the monthly Part B and Part D amounts, and the annualized surcharge so you can plan ahead.
IRMAA is a surcharge that higher-income beneficiaries pay on top of the standard Part B premium and their Part D plan premium. It is based on a prior year of income, generally the tax return from two years earlier, and the Social Security Administration determines the amount you actually owe. This tool is informational only and is not financial, tax, or medical advice. Check your own situation with the Social Security Administration.
How to use
- Choose your tax filing status: single or head of household, married filing jointly, or married filing separately.
- Enter your modified adjusted gross income (MAGI) in dollars.
- Select Check IRMAA bracket to see the matched 2026 band and the Part B and Part D surcharge.
- Read the combined monthly surcharge and the annualized amount, and copy the summary if you want to save it.
- Confirm your own figures with the Social Security Administration, since IRMAA uses a prior tax year and your amount is set by SSA.
Worked examples
Single filer with MAGI of $120,000 in 2026
Lands in the first IRMAA band, adding $81.20 per month to Part B and $14.50 per month to Part D, about $1,148.40 more per year.
Married filing jointly with MAGI of $120,000
Stays at or below the $218,000 joint threshold, so there is no IRMAA surcharge and the standard Part B premium applies.
Married filing separately with MAGI above $109,000
Married filing separately has only two surcharge states, so income just above the threshold moves straight to a high band.
Frequently asked questions
- What is IRMAA?
- IRMAA is the income-related monthly adjustment amount, a surcharge added to the standard Medicare Part B premium and to Part D prescription drug coverage when your modified adjusted gross income is above a filing-status threshold. The higher your income band, the larger the surcharge.
- What income does IRMAA use?
- IRMAA uses your modified adjusted gross income, which is generally your adjusted gross income plus tax-exempt interest. It is based on a prior tax year, usually the return from two years earlier, so the year used can differ from your current income.
- Is this tool financial or tax advice?
- No. This is a free informational lookup of the published 2026 IRMAA thresholds. It does not determine your actual surcharge, file an appeal, or replace guidance from the Social Security Administration or a tax professional.
- Why does married filing separately jump so fast?
- Beneficiaries who are married, lived with their spouse during the year, and file separately have only two IRMAA surcharge bands in 2026 rather than the full set, so income just above the base threshold moves directly into a high surcharge band.
- Where do the 2026 numbers come from?
- The thresholds and amounts come from the Social Security Administration IRMAA sliding scale tables and the CMS 2026 Part B premium fact sheet. The 2026 standard Part B premium is $202.90 per month.
- Do you store the income I enter?
- No. The lookup runs entirely in your browser, and the income you enter is not saved or sent to a server.
- Is the Medicare IRMAA bracket checker free?
- Yes. It is free to use and does not require an account.
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