Free tool
IRMAA estimator for 2026
Higher earners pay a surcharge on the Part B premium, and the charge is based on a tax return filed two years earlier. Enter your income and filing status to see where the 2026 brackets place you.
Figures reviewed for 2026
Use the return from two years ago, which is the one Social Security reads.
Estimated monthly Part B premium
$202.90
- Standard premium
- $202.90
- Monthly surcharge
- $0.00
- Extra cost per year
- $0.00
- Bracket
- Standard rate
Part D carries a smaller surcharge in the same brackets, and it is not included above. The brackets are cliffs: one dollar over a line moves the whole premium.
The brackets for 2026
| Single | Married filing jointly | Monthly Part B |
|---|---|---|
| Up to $109,000 | Up to $218,000 | $202.90 |
| Above $109,001.00 | Above $218,001.00 | $284.10 |
| Above $137,001.00 | Above $274,001.00 | $405.80 |
| Above $171,001.00 | Above $342,001.00 | $527.50 |
| Above $205,001.00 | Above $410,001.00 | $649.20 |
| Above $500,001.00 | Above $750,001.00 | $689.90 |
If your income dropped because you stopped working, married, divorced, or lost a pension, Social Security accepts a request to use current income instead. The request is made on Form SSA-44 and applies only to those specific events, not to a general decline in investment income.
Official sources
Check it at the source
Every figure on this page comes from the agencies below. They are the primary record, and none of these links costs you anything.
No cost, no obligation
Get your free 2026 Medicare quote
One conversation with a licensed agent. We compare every carrier we represent and tell you plainly which option fits your doctors, your prescriptions, and your budget.