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Will you owe a Medicare income surcharge in 2026?

If your income two years ago was above $109,000 (single) or $218,000 (joint), Medicare adds a monthly surcharge — IRMAA — to your Part B and Part D premiums. Tell us your filing status and 2024 income, and we'll show you exactly what you'll pay.

A two-year lookback. Your 2024 tax return drives 2026 premiums.

Six income brackets. Cliffs, not slopes — $1 over a threshold can cost $1,000+ a year.

A real number. Your monthly Part B premium and Part D surcharge in plain dollars.

This tool reflects 2026 figures published by the Centers for Medicare & Medicaid Services. It is educational, not financial or tax advice. For complex situations — recent divorce, recent retirement, business income changes, or estate distributions — call Social Security at 1-800-772-1213 or speak with a tax advisor. If you've had a major life change that dropped your income, you can appeal an IRMAA determination using Form SSA-44.

Free calculator for your 2026 Medicare Part B and Part D income surcharge (IRMAA). Enter your filing status and 2024 income to see your monthly premium, your bracket, and whether you can appeal.

2026 Part B premiums and IRMAA income brackets are from the CMS notice published November 19, 2025.

Medicare IRMAA Calculator for 2026

Will you owe a Medicare income surcharge in 2026?

Will you owe a Medicare income surcharge in 2026?