2026 Medicare costs

Medicare IRMAA calculator

Higher income can raise your Part B and Part D premiums through IRMAA. Estimate your 2026 brackets using 2024 MAGI, then confirm with Social Security.

Last updated Jul 11, 2026

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I'm new to Medicare or turning 65First enrollment timing and avoiding Part B mistakesI'm worried about prescription costsAnnual drug cap, payment plan, or Extra HelpMy Medicare premiums feel highIncome-related surcharges (IRMAA)I may qualify for help paying Medicare costsExtra Help or Medicare Savings ProgramsI want to compare plans for my doctors and drugsOfficial Medicare.gov Plan Finder

2026 IRMAA estimator

Estimate whether higher income may add an Income-Related Monthly Adjustment Amount (IRMAA) to your Part B and Part D premiums. For 2026, Social Security generally uses your 2024 tax return (MAGI).

Tax filing status

Single / Head of household / Qualifying surviving spouseMarried filing jointlyMarried filing separately

Estimated MAGI for tax year 2024

MAGI ≈ adjusted gross income + tax-exempt interest (Form 1040).

I also have (or expect) Part D / MAPD drug coverage

Educational estimate only, not an official SSA determination. Life-changing events (marriage, divorce, work stoppage, etc.) may qualify you to request a new IRMAA decision. Figures for calendar year 2026. Confirm on Medicare.gov / SSA before relying on them.

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Plan Availability Notice: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE (TTY: 1-877-486-2048), 24 hours a day / 7 days a week, to get information on all available options. Plan benefits, premiums, and availability vary by plan, county, and year.SwitchBlue Insurance Agency LLC is a licensed independent insurance agency and is not connected with or endorsed by the United States government or the federal Medicare program.