For 2026, the IRMAA brackets for Medicare Part B start when your 2024 modified adjusted gross income (MAGI) is above 109,000 dollars if you file single, or above 218,000 dollars if you file jointly, with surcharges added in tiers as income rises.

2026 IRMAA basics

  • The standard Medicare Part B premium in 2026 is 202.90 dollars per month per person (no IRMAA applied).
  • IRMAA (Income-Related Monthly Adjustment Amount) is an extra surcharge added on top of this standard premium if your income is above certain thresholds.
  • Your 2026 IRMAA is based on your 2024 federal tax return MAGI, generally two years prior.

2026 Part B IRMAA brackets

The brackets are based on 2024 MAGI and filing status. Numbers below are per person, per month, for Medicare Part B in 2026.

html

<table>
  <thead>
    <tr>
      <th>Filing status & 2024 MAGI</th>
      <th>2026 Part B IRMAA surcharge</th>
      <th>Total 2026 Part B premium</th>
    </tr>
  </thead>
  <tbody>
    <tr>
      <td>Single ≤ $109,000; Joint ≤ $218,000; MFS ≤ $109,000</td>
      <td>$0</td>
      <td>$202.90</td>
    </tr>
    <tr>
      <td>Single &gt; $109,000 – about $137,000; Joint &gt; $218,000 – about $274,000</td>
      <td>≈ $81.20</td>
      <td>≈ $284.10</td>
    </tr>
    <tr>
      <td>Next higher bracket (roughly mid‑$100k single, mid‑$200k joint)</td>
      <td>Higher tier IRMAA, rising with income</td>
      <td>Between ≈ $284.10 and ≈ $689.90</td>
    </tr>
    <tr>
      <td>Top bracket (Single ≥ $500,000; Joint ≥ $750,000)</td>
      <td>Up to ≈ $487.00</td>
      <td>Up to ≈ $689.90</td>
    </tr>
  </tbody>
</table>

The exact middle brackets are stepped, with five total tiers; as income moves up each tier, the IRMAA surcharge and total Part B premium increase, topping out near 689.90 dollars per month in 2026.

Key points for planning

  • IRMAA surcharges for Part B in 2026 range roughly from 81.20 dollars up to 487.00 dollars per month per person, depending on tier.
  • The first four IRMAA brackets are indexed to inflation each year, but the top bracket thresholds (500,000 / 750,000) are frozen until 2028.
  • Managing MAGI (through timing of Roth conversions, capital gains, and withdrawals) can help avoid moving into a higher IRMAA bracket in future years.

Information gathered from public forums or data available on the internet and portrayed here.