IRMAA brackets for Medicare Part B and Part D
In 2026 the higher premiums start when income is above $109,000 on an individual return, or $218,000 on a joint return.
2027 is not out yet. The Centers for Medicare & Medicaid Services has not published the 2027 Part B premium, deductible or income brackets. It released the 2026 figures on November 14, 2025. This page shows 2026 until the 2027 fact sheet is published.
IRMAA stands for income-related monthly adjustment amount. It is an amount added to the Part B premium, and a separate amount added to a Part D plan premium, for people with higher incomes. The Centers for Medicare & Medicaid Services says these amounts affect roughly 8% of people with Medicare Part B.
Your Part B premium each month, 2026
$284.10
- Standard Part B premium
- $202.90
- Added to Part B for income
- $81.20
- Added to your Part D plan premium
- $14.50
- Both additions over 12 months
- $1,148.40
The Part D addition is paid on top of whatever your drug plan charges.
Part B premium by income, 2026
| Individual return | Joint return | Added each month | Total Part B premium |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 | $202.90 |
| More than $109,000, up to $137,000 | More than $218,000, up to $274,000 | $81.20 | $284.10 |
| More than $137,000, up to $171,000 | More than $274,000, up to $342,000 | $202.90 | $405.80 |
| More than $171,000, up to $205,000 | More than $342,000, up to $410,000 | $324.60 | $527.50 |
| More than $205,000, under $500,000 | More than $410,000, under $750,000 | $446.30 | $649.20 |
| $500,000 or more | $750,000 or more | $487.00 | $689.90 |
Part D addition by income, 2026
| Individual return | Joint return | Added to your plan premium each month |
|---|---|---|
| $109,000 or less | $218,000 or less | $0.00 |
| More than $109,000, up to $137,000 | More than $218,000, up to $274,000 | $14.50 |
| More than $137,000, up to $171,000 | More than $274,000, up to $342,000 | $37.50 |
| More than $171,000, up to $205,000 | More than $342,000, up to $410,000 | $60.40 |
| More than $205,000, under $500,000 | More than $410,000, under $750,000 | $83.30 |
| $500,000 or more | $750,000 or more | $91.00 |
Married, filing a separate return
These rows apply if you are married, lived with your spouse at any time during the year, and file separately.
| Income | Total Part B premium | Added to Part D |
|---|---|---|
| $109,000 or less | $202.90 | $0.00 |
| More than $109,000, under $391,000 | $649.20 | $83.30 |
| $391,000 or more | $689.90 | $91.00 |
Questions people ask
At what income does IRMAA start?
In 2026, above $109,000 of modified adjusted gross income on an individual return, or $218,000 on a joint return.
What is the highest Part B premium?
In 2026 it is $689.90 a month, for income of $500,000 or more on an individual return or $750,000 or more on a joint return.
Does IRMAA apply to Part D too?
Yes. A separate amount is added to the Part D plan premium. In 2026 it runs from $14.50 to $91.00 a month.
Check our work
Every figure on this page was read from these official documents. Follow the links and compare.
- 2026 Medicare Parts A & B Premiums and DeductiblesCenters for Medicare & Medicaid Services. Read on November 12, 2026.
- CostsMedicare.gov. Read on November 12, 2026.