Adjusted gross income plus tax-exempt interest
Your Part B premium in 2026
$284.10 a month
Including $81.20 of IRMAA, plus $14.50 a month on top of your Part D plan’s premium.
- Part D surcharge
- $14.50/mo
- Extra a year
- $1,148
- Next tier above
- $137,000
Income just $11,000 lower would have put you in the tier below. Even $1 over a threshold means the whole surcharge for that tier.
What this means
Medicare uses your income from two years before: your 2024 tax return sets your 2026 premiums. A one-off jump in income, from selling a home or investments or a large Roth conversion, can raise your premiums two years later.
If your income has fallen since because of a life-changing event, such as retiring, losing a pension, marriage, divorce or the death of a spouse, you can ask Social Security to use your newer income with Form SSA-44.
2026 premiums by 2024 income
| Income | Part B | Part D extra |
|---|---|---|
| Up to $109,000 | $202.90 | $0.00 |
| $109,000 to $137,000 | $284.10 | $14.50 |
| $137,000 to $171,000 | $405.80 | $37.50 |
| $171,000 to $205,000 | $527.50 | $60.40 |
| $205,000 to $500,000 | $649.20 | $83.30 |
| $500,000 or more | $689.90 | $91.00 |
What it costs you
| Standard Part B premium | $202.90 |
| Your Part B IRMAA | $81.20 |
| Your Part D IRMAA | $14.50 |
| Extra a year | $1,148 |
Assumptions in this estimate
- For 2026, from CMS. Part B’s annual deductible is $283. The 2027 amounts, based on 2025 income, are announced in November.
- Income is modified adjusted gross income: your AGI plus tax-exempt interest. Roth IRA withdrawals and qualified charitable distributions don’t count.
- The Part D surcharge is added to whatever your drug plan or Medicare Advantage plan charges, and is paid to Medicare.
- If you have Medicare Advantage, you still pay the Part B premium, IRMAA included.