IRMAA bracket check
Enter the modified adjusted gross income from the tax return Medicare looks at (two years before the premium year). The calculator shows your tier, the monthly premiums and the room to the next tier.
Rules: 2026 Medicare premiums (set on 2024 MAGI)Result
Fill in your numbers and press Calculate. The answer shows the formula and the rules it used.
Signed in, INDYXQUANT warns you before a sale, conversion or RMD pushes your MAGI over an IRMAA cliff.
Do this with your real portfolioHow it is worked out
IRMAA is an income-related surcharge on Medicare Part B and Part D premiums. For 2026 premiums, Social Security uses the MAGI on your 2024 return.
Annual surcharge per person = (your Part B premium minus the standard $202.90 plus the Part D add-on) x 12.
Tiers are cliffs: one dollar over a threshold moves you to the next tier for the whole year.
Questions
What are the 2026 IRMAA thresholds?
Single filers pay the standard premium up to $109,000 of MAGI; tiers start above $109,000, $137,000, $171,000, $205,000 and at $500,000. For joint filers the steps are $218,000, $274,000, $342,000, $410,000 and $750,000 (CMS).
Which year's income counts?
The tax return from two years before the premium year: 2024 income sets 2026 premiums.
Can IRMAA be reduced?
After a life-changing event such as retirement or the death of a spouse you can ask Social Security to use more recent income with form SSA-44.
Sources
Rules: 2026 Medicare premiums (set on 2024 MAGI). This page is for education and is not tax, legal or investment advice.