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2026 IRMAA Brackets and Monthly Premiums Income-Related Monthly Adjustment Amount
The standard monthly Medicare Part B premium for 2026 is $202.90. If your modified adjusted gross income (MAGI) from two years prior (2024) exceeds the limits below, you will pay the total premium plus the respective surcharge.
1. Single Filers & Married Filing Separately (Did not live with spouse)
| Modified Adjusted Gross Income (MAGI) | Part B Monthly Premium | Part D Monthly Adjustment | Total Monthly Surcharge |
| $109,000 or less | $202.90 | $0.00 | $0.00 |
| Over $109,000 up to $137,000 | $284.10 | $14.50 | $95.70 |
| Over $137,000 up to $171,000 | $405.80 | $37.50 | $240.40 |
| Over $171,000 up to $205,000 | $527.50 | $60.40 | $385.00 |
| Over $205,000 up to $499,999 | $649.20 | $83.30 | $529.50 |
| $500,000 or more | $689.90 | $91.00 | $578.00 |
2. Married Filing Jointly
| Modified Adjusted Gross Income (MAGI) | Part B Monthly Premium | Part D Monthly Adjustment | Total Monthly Surcharge |
| $218,000 or less | $202.90 | $0.00 | $0.00 |
| Over $218,000 up to $274,000 | $284.10 | $14.50 | $95.70 |
| Over $274,000 up to $342,000 | $405.80 | $37.50 | $240.40 |
| Over $342,000 up to $410,000 | $527.50 | $60.40 | $385.00 |
| Over $410,000 up to $749,999 | $649.20 | $83.30 | $529.50 |
| $750,000 or more | $689.90 | $91.00 | $578.00 |
3. Married Filing Separately (Lived with spouse at any time during the year)
| Modified Adjusted Gross Income (MAGI) | Part B Monthly Premium | Part D Monthly Adjustment | Total Monthly Surcharge |
| $109,000 or less | $202.90 | $0.00 | $0.00 |
| Over $109,000 up to $390,999 | $649.20 | $83.30 | $529.50 |
| $391,000 or more | $689.90 | $91.00 | $578.00 |
Important Takeaways for 2026:
The Look-Back Period: The 2026 adjustment amount is based on your 2024 tax returns.
Significant Surcharges: The surcharge applies per person, meaning a married couple both enrolled in Medicare could see up to double these monthly premiums.
Life-Changing Events: If clients experienced a major reduction in income due to a life-changing event (such as retirement or loss of income-producing property), they can file an appeal with the Social Security Administration using Form SSA-44 to seek a reduction.
