IRMAA brackets & surcharges — official tables
These are the complete CMS tables, verified October 2026 against the CMS fact sheets. MAGI for IRMAA = your adjusted gross income plus tax-exempt interest. Premiums are per person, per month. Your premium year is priced off the tax return from two years earlier: 2026 premiums use 2024 MAGI; 2025 premiums used 2023 MAGI.
2026 brackets (standard Part B premium: $202.90)
Individual (single / head of household)
| 2026 MAGI | Part B surcharge | Total Part B premium | Part D surcharge |
|---|---|---|---|
| Less than or equal to $109,000 | $0 | $202.90 | $0 |
| Greater than $109,000 and less than or equal to $137,000 | $81.20 | $284.10 | $14.50 |
| Greater than $137,000 and less than or equal to $171,000 | $202.90 | $405.80 | $37.50 |
| Greater than $171,000 and less than or equal to $205,000 | $324.60 | $527.50 | $60.40 |
| Greater than $205,000 and less than $500,000 | $446.30 | $649.20 | $83.30 |
| Greater than or equal to $500,000 | $487 | $689.90 | $91 |
Married filing jointly
| 2026 MAGI | Part B surcharge | Total Part B premium | Part D surcharge |
|---|---|---|---|
| Less than or equal to $218,000 | $0 | $202.90 | $0 |
| Greater than $218,000 and less than or equal to $274,000 | $81.20 | $284.10 | $14.50 |
| Greater than $274,000 and less than or equal to $342,000 | $202.90 | $405.80 | $37.50 |
| Greater than $342,000 and less than or equal to $410,000 | $324.60 | $527.50 | $60.40 |
| Greater than $410,000 and less than $750,000 | $446.30 | $649.20 | $83.30 |
| Greater than or equal to $750,000 | $487 | $689.90 | $91 |
Married filing separately
| 2026 MAGI | Part B surcharge | Total Part B premium | Part D surcharge |
|---|---|---|---|
| Less than or equal to $109,000 | $0 | $202.90 | $0 |
| Greater than $109,000 and less than $391,000 | $446.30 | $649.20 | $83.30 |
| Greater than or equal to $391,000 | $487 | $689.90 | $91 |
2025 brackets (standard Part B premium: $185.00)
Individual (single / head of household)
| 2025 MAGI | Part B surcharge | Total Part B premium | Part D surcharge |
|---|---|---|---|
| Less than or equal to $106,000 | $0 | $185 | $0 |
| Greater than $106,000 and less than or equal to $133,000 | $74 | $259 | $13.70 |
| Greater than $133,000 and less than or equal to $167,000 | $185 | $370 | $35.30 |
| Greater than $167,000 and less than or equal to $200,000 | $295.90 | $480.90 | $57 |
| Greater than $200,000 and less than $500,000 | $406.90 | $591.90 | $78.60 |
| Greater than or equal to $500,000 | $443.90 | $628.90 | $85.80 |
Married filing jointly
| 2025 MAGI | Part B surcharge | Total Part B premium | Part D surcharge |
|---|---|---|---|
| Less than or equal to $212,000 | $0 | $185 | $0 |
| Greater than $212,000 and less than or equal to $266,000 | $74 | $259 | $13.70 |
| Greater than $266,000 and less than or equal to $334,000 | $185 | $370 | $35.30 |
| Greater than $334,000 and less than or equal to $400,000 | $295.90 | $480.90 | $57 |
| Greater than $400,000 and less than $750,000 | $406.90 | $591.90 | $78.60 |
| Greater than or equal to $750,000 | $443.90 | $628.90 | $85.80 |
Married filing separately
| 2025 MAGI | Part B surcharge | Total Part B premium | Part D surcharge |
|---|---|---|---|
| Less than or equal to $106,000 | $0 | $185 | $0 |
| Greater than $106,000 and less than $394,000 | $406.90 | $591.90 | $78.60 |
| Greater than or equal to $394,000 | $443.90 | $628.90 | $85.80 |
2027 brackets
Not yet published. As of October 2026, CMS has released no 2027 premium fact sheet; the tables are expected in November 2026, following CMS's pattern. Anyone quoting exact 2027 IRMAA amounts today is projecting, not reporting. Our 2027 page explains what to do while you wait.
Sources: CMS, "2026 Medicare Parts A & B Premiums and Deductibles" (Nov 14, 2025) and the 2025 edition (Nov 8, 2024); cross-checked against SSA's Medicare Premiums page. If a figure here ever disagrees with your notice, your notice controls.
Included in the $39 Kit
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