IRMAA brackets 2027 and 2026
The income-related monthly adjustment amount (IRMAA) is the extra amount higher-income people pay for Medicare Part B and Part D. From CMS and the Social Security Administration (SSA).
Short answer
CMS has not yet published the 2027 IRMAA brackets (checked Oct 24, 2026); the 2026 amounts came out on November 14, 2025. In 2026, people whose MAGI was above $109,000 (individual return) or $218,000 (joint return) pay a Part B premium of $284.10 to $689.90 a month instead of the standard $202.90, plus $14.50 to $91.00 a month on top of their Part D plan premium. 2026 uses the tax return filed in 2025 for tax year 2024.1234
Source: CMS and SSA · checked Oct 24, 2026
2027 IRMAA brackets
Not yet published. CMS has not released the 2027 Part B premium or IRMAA brackets as of Oct 24, 2026. We check CMS and Medicare.gov every day and will add the 2027 table here the day they publish it. We do not estimate it.
2026 IRMAA brackets
Monthly amounts. MAGI is from your 2024 tax return. Part D: the amount is added to your own plan's premium.2
| Individual tax return (MAGI) | Joint tax return (MAGI) | Part B IRMAA | Part B total | Part D IRMAA |
|---|---|---|---|---|
| Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 | $202.90 | +$0.00 |
| Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $81.20 | $284.10 | +$14.50 |
| Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $202.90 | $405.80 | +$37.50 |
| Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $324.60 | $527.50 | +$60.40 |
| Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $446.30 | $649.20 | +$83.30 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $487.00 | $689.90 | +$91.00 |
Married, lived with your spouse during the year, filed separately
| MAGI | Part B IRMAA | Part B total | Part D IRMAA |
|---|---|---|---|
| Less than or equal to $109,000 | $0.00 | $202.90 | +$0.00 |
| Greater than $109,000 and less than $391,000 | $446.30 | $649.20 | +$83.30 |
| Greater than or equal to $391,000 | $487.00 | $689.90 | +$91.00 |
CMS says these amounts affect roughly 8% of people with Part B and about 8% of people with Part D.56
Which year's income counts
- SSA uses the most recent federal tax return the IRS gives it. For 2026, that is generally the return filed in 2025 for tax year 2024.4
- MAGI here means your total adjusted gross income plus tax-exempt interest income.7
- If you amended your tax return and it changes your MAGI, SSA asks you to tell them.10
If your income has gone down
SSA may make a new decision if your income went down because of one of these events. This is SSA's list, word for word:8
- You married or divorced, or your spouse died19
- You or your spouse stopped working or reduced your work hours20
- You or your spouse lost income-producing property because of a disaster or other event beyond your control21
- You or your spouse experienced a scheduled cessation, termination, or reorganization of an employer's pension plan22
- You or your spouse received a settlement from an employer or former employer because of the employer's closure, bankruptcy, or reorganization23
Selling a home is not one of the events on SSA's list. SSA also asks for documents that show the event and the drop in income.9
- How to ask: SSA's form SSA-44 (Life-Changing Event), filed online after signing in, or faxed or mailed to a Social Security office with your evidence.1816 SSA: request to lower an IRMAA
- Not sure your situation counts, or how much it would save? Our free IRMAA appeal check applies SSA's rules to your answers, in your browser.
If you disagree with SSA's decision
- You have the right to appeal; SSA says filing online is the fastest way.11 In writing, use Form SSA-561-U2 (Request for Reconsideration).12
- You do not need to appeal if you are asking for a new decision because of one of the events above.13
- If the MAGI SSA got from the IRS is wrong, you correct it with the IRS.14
Related
- The Part D yearly out-of-pocket limit is $2,100 in 2026 (Medicare.gov).17 Medicare and GLP-1 drugs
- This page explains the official rules. It does not tell you how to plan your income; for that, ask a tax professional or your State Health Insurance Assistance Program.
Cite this data
Free to reuse under CC BY 4.0: please credit MedCost Clear and link to this page. Every figure keeps its official source and date.
Get an email when a price or rule changes
Only when an official GLP-1 self-pay price or a Medicare or Medicaid rule changes, at most once a week, with the official source for every change.
Official sources for this page (23)
“On November 14, 2025, the Centers for Medicare & Medicaid Services (CMS) released the 2026 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2026 Medicare Part D income-related monthly adjustment amounts.”
CMS: 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, Nov 14, 2025) · as of Oct 24, 2026“Less than or equal to $109,000 Less than or equal to $218,000 $0.00 $202.90”
CMS: 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, Nov 14, 2025) · as of Oct 24, 2026“The standard monthly premium for Medicare Part B enrollees will be $202.90 for 2026, an increase of $17.90 from $185.00 in 2025.”
CMS: 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, Nov 14, 2025) · as of Oct 24, 2026“To determine your 2026 income-related monthly adjustment amounts, we use your most recent federal tax return the IRS provides to us. Generally, this information is from a tax return filed in 2025 for tax year 2024.”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“These income-related monthly adjustment amounts affect roughly 8% of people with Medicare Part B.”
CMS: 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, Nov 14, 2025) · as of Oct 24, 2026“Approximately 8% of people with Medicare Part D pay these income-related monthly adjustment amounts.”
CMS: 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, Nov 14, 2025) · as of Oct 24, 2026“Your MAGI is your total adjusted gross income and tax-exempt interest income.”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“If your income has gone down and the change makes a difference in the income level we consider, contact us to explain that you have new information. We may make a new decision about your income-related monthly adjustment amount for the following reasons:”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“If any of the above applies to you, we need to see documentation verifying the event and the reduction in your income.”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“If you amended your tax return, and it changes the income we count to determine the income-related monthly adjustment amounts (your MAGI), let us know.”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“If you disagree with the decision we made about your income-related monthly adjustment amounts, you have the right to appeal. The fastest and easiest way to file an appeal of your decision is online.”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“You may also request an appeal in writing by completing a Request for Reconsideration (Form SSA-561-U2), or contact your local Social Security office.”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“You don't need to file an appeal if you're requesting a new decision because you experienced one of the events listed and, it made your income go down.”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“If you disagree with the MAGI amount we received from the IRS, you must correct the information with the IRS.”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“Life-changing events include marriage, divorce, the death of a spouse, loss of income, and an employer settlement payment.”
SSA: Request to lower an IRMAA · as of Oct 30, 2026“Fill out the Medicare Income-Related Monthly Adjustment Amount – Life-Changing Event (SSA-44) (PDF) form. Fax or mail your completed form and evidence to a Social Security office.”
SSA: Request to lower an IRMAA · as of Oct 30, 2026“Out-of-pocket limit Yearly $2,100 (in 2026).”
Medicare.gov: Medicare costs · as of Oct 23, 2026“Sign in to fill out and submit Medicare Income-Related Monthly Adjustment Amount-Life Changing Event (SSA-44).”
SSA: Request to lower an IRMAA · as of Oct 30, 2026“You married or divorced, or your spouse died”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“You or your spouse stopped working or reduced your work hours”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“You or your spouse lost income-producing property because of a disaster or other event beyond your control”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“You or your spouse experienced a scheduled cessation, termination, or reorganization of an employer's pension plan”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026“You or your spouse received a settlement from an employer or former employer because of the employer's closure, bankruptcy, or reorganization”
SSA: Medicare Premiums: Rules for Higher-Income Beneficiaries · as of Oct 30, 2026