2026 IRMAA Brackets: Official Tables and 2027 Status
Educational only; not affiliated with Medicare, CMS or SSA. Not licensed advice.
CMS official 2026 tables (as of 2026-10-12). Part D IRMAA is added to the plan premium; Part B total includes its income-related adjustment.
| Individual MAGI | Joint MAGI | Part B IRMAA | Part B total | Part D IRMAA |
|---|---|---|---|---|
| ≤ $109,000 | ≤ $218,000 | $0.00 | $202.90 | $0.00 |
| > $109,000 to ≤ $137,000 | > $218,000 to ≤ $274,000 | $81.20 | $284.10 | $14.50 |
| > $137,000 to ≤ $171,000 | > $274,000 to ≤ $342,000 | $202.90 | $405.80 | $37.50 |
| > $171,000 to ≤ $205,000 | > $342,000 to ≤ $410,000 | $324.60 | $527.50 | $60.40 |
| > $205,000 and < $500,000 | > $410,000 and < $750,000 | $446.30 | $649.20 | $83.30 |
| ≥ $500,000 | ≥ $750,000 | $487.00 | $689.90 | $91.00 |
Married filing separately
| MAGI | Part B IRMAA | Part B total | Part D IRMAA |
|---|---|---|---|
| ≤ $109,000 | $0.00 | $202.90 | $0.00 |
| > $109,000 and < $391,000 | $446.30 | $649.20 | $83.30 |
| ≥ $391,000 | $487.00 | $689.90 | $91.00 |
The separate-return table applies when spouses lived together during the tax year. SSA generally uses the 2024 tax return for 2026 determinations. SSA income and premium guidance (as of 2026-10-12)
2027 status
The complete 2027 Part B premium and IRMAA surcharge tables are not yet released by CMS (expected ~Nov). No projected figures are used here. The November timing is a planning expectation, not a guaranteed CMS release date. Check CMS premium releases (as of 2026-10-12) and Medicare & You (as of 2026-10-12) for updates.
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Cite this page
TemplateTitanHQ, 2026 IRMAA tables; official sources checked 2026-10-12.