Not affiliated with AHIP/CMS/Medicare; educational only, not insurance advice
Calculate your 2026 monthly amount
Full Part B coverage, per person. Income stays in your browser.
MAGI generally adds tax-exempt interest to adjusted gross income. If you lived apart all year while filing separately, consult SSA for the applicable determination. Immunosuppressive-drug-only coverage uses a different table.
Official 2026 IRMAA brackets
| Individual MAGI | Joint MAGI | Part B total | Part B IRMAA | Part D IRMAA |
|---|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $202.90 | $0.00 | $0.00 |
| > $109,000–$137,000 | > $218,000–$274,000 | $284.10 | $81.20 | $14.50 |
| > $137,000–$171,000 | > $274,000–$342,000 | $405.80 | $202.90 | $37.50 |
| > $171,000–$205,000 | > $342,000–$410,000 | $527.50 | $324.60 | $60.40 |
| > $205,000 and < $500,000 | > $410,000 and < $750,000 | $649.20 | $446.30 | $83.30 |
| ≥ $500,000 | ≥ $750,000 | $689.90 | $487.00 | $91.00 |
Married filing separately and lived together: MAGI ≤ $109,000 has no IRMAA; > $109,000 and < $391,000 has Part B total $649.20 and Part D IRMAA $83.30; ≥ $391,000 has Part B total $689.90 and Part D IRMAA $91.00.
Verified October 11, 2026: CMS 2026 premium tables · SSA 2026 sliding scale tables.
How to use this tool
Use the MAGI from your 2024 tax return, or 2023 if 2024 is unavailable. Results are per person. Part D amounts exclude your plan premium. This estimate does not include late enrollment penalties or other adjustments. SSA makes the actual determination.
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Original existing product files. No signup required. File years and labels are preserved; older material may need current-rule checks.
- IRMAA_Calculator_2026.xlsx (0.0 MB)
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