2026 Medicare Parts A and B Premiums and Deductibles
CMS · checked 2026-10-04
The app uses the figures and rules named on that page. It does not replace the page.
health · official figure · reviewed 2026-10-04
Place Income on the 2026 Medicare IRMAA Table
The 2026 standard Part B premium is $202.90. Higher modified adjusted gross income adds an IRMAA surcharge to Part B and Part D.
What this guide helps you do
Select the 2026 Part B and Part D IRMAA row for the income and filing status entered.
The figure that changes the result
One dollar over a published line changes the monthly premium for the whole year.
Finding the CMS table and the married-filing-separately rows takes about 25 minutes. Secondary charts often drop the separate-filer cliff.
Who this is for
A person comparing a tax-return income figure with the 2026 CMS IRMAA table.
Steps
Step 1
Use the income figure on the SSA letter when you have it.
Step 2
If you do not have the letter, use modified adjusted gross income from the return SSA uses. That is generally two years earlier.
Step 3
Choose married filing separately only if you lived with a spouse and filed separately.
Step 4
Read Part B as a total premium. Read Part D as a surcharge on top of the plan premium.
Step 5
Ask SSA about Form SSA-44 if a life-changing event cut your income.
Worked example
Single income of $109,000 is in the standard row. Part B is $202.90 a month. IRMAA is $0. Income of $109,001 is in the next row. Part B becomes $284.10, and Part D adds $14.50.
Standard Part B premium $202.90 per month. No IRMAA.
- Part B total: $202.90 per month ($2,434.80 a year).
- Part B IRMAA included in that total: $0.00 per month.
- Part D IRMAA, added to the plan premium: $0.00 per month.
The row uses the 2026 CMS table for the filing status and the income you entered.
Where this goes wrong
Do not use taxable income if the letter says modified adjusted gross income. Do not add the Part D surcharge to the Part B total and call that the drug-plan premium. The plan premium is extra.
What the source says
Limits
This tool uses the full Part B table, not the immunosuppressive-drug-only table.
It does not file an appeal.
Confirm the tax year SSA used.
This tool gives general information. It is not medical advice. Speak to a licensed clinician before you make a health decision.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
Use the current instruction from the agency named above. This guide is a planning aid, not an official decision.
Free companion app
Select the 2026 Part B and Part D IRMAA row for the income and filing status entered.
Your entries stay on this device. We do not receive them.
This guide uses short, direct instructions as an ASD-STE100-style writing target. It is not a formal certification.