IRMAA stands for Income-Related Monthly Adjustment Amount. It is an extra amount higher-income beneficiaries pay on top of the standard Medicare Part B and Part D premiums. Your IRMAA is determined each year using your tax return from two years prior.

What is the standard Medicare Part B premium?

The standard Part B premium for 2026 is $202.90 per month. CMS announces the following year premium each November. Most beneficiaries pay only the standard amount; higher-income filers pay IRMAA surcharges on top of it.

How can I lower my IRMAA?

If your income has dropped due to a life-changing event such as retirement, divorce, the death of a spouse, or loss of pension, you can request a redetermination by filing Form SSA-44 with the Social Security Administration. A licensed Medicare broker can help you understand whether you qualify.

Do I have to pay IRMAA every year?

IRMAA is recalculated annually based on your most recent tax return. If your income drops below the threshold in a future year, your IRMAA surcharge will be reduced or eliminated automatically.

Medicare Part B & IRMAA Premium Estimator

2026 Part B Premium & IRMAA Estimator

Find out what you’ll actually pay for Medicare Part B based on your income.

How to use this calculator

Pick your tax filing status — single or married filing jointly is most common.
Enter your Modified Adjusted Gross Income (MAGI). Medicare uses your tax return from two years ago, so for 2026 IRMAA enter your 2024 MAGI (Form 1040, Line 11, plus any tax-exempt interest from Line 2a).
Choose whether you have a Part D drug plan. If yes, your Part D premium also gets a small IRMAA surcharge at higher income tiers.
Read your result on the right. Most retirees fall in the Standard tier and pay $202.90/mo with no IRMAA.

Tip: If your income dropped because of a life-changing event — retirement, divorce, death of a spouse, or selling a house — you can file Form SSA-44 with Social Security to request a lower IRMAA. A licensed broker can help you decide if you qualify.

Your Information

Tax Filing Status Modified Adjusted Gross Income (MAGI) Use your most recent tax return. Medicare uses your MAGI from 2 years ago to determine 2026 IRMAA. Are you also enrolled in a Part D plan?

Your Estimated Monthly Premium

Total Monthly Premium

$202.90/mo

Standard Tier

Standard Part B premium$202.90

Part B IRMAA surcharge$0.00

Part D IRMAA surcharge$0.00

Annual cost$2,434.80

Where You Fall

Income (your filing)	Total /mo

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Disclaimer: This estimator uses the 2026 IRMAA brackets published by CMS. CMS releases updated Medicare premiums each November for the following year. Actual premiums may differ; this tool is for educational purposes only and is not financial or medical advice. For your exact premium, refer to your annual Medicare letter or call Social Security at 1-800-772-1213.