What income year does 2026 IRMAA use?

Social Security generally uses your 2024 tax return (MAGI) to set 2026 IRMAA. If that return is unavailable, an earlier year may be used.

Can I lower my IRMAA?

If you had a qualifying life-changing event (such as marriage, divorce, death of a spouse, or work stoppage), you may request that Social Security use a more recent income estimate. Use SSA’s IRMAA reconsideration process.

What is the standard Part B premium in 2026?

Most people pay $202.90 per month for Part B in 2026. Higher-income beneficiaries pay more because of IRMAA.

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

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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