Medicare Calculator Calculator

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Direct answer: For 2026, CMS sets the standard Medicare Part B premium at $202.90/month with a $283 annual deductible. Higher-income beneficiaries pay an IRMAA surcharge based on their 2024 modified adjusted gross income (MAGI): single filers above $109,000 (or joint filers above $218,000) pay $284.10 to $689.90/month for Part B, plus a Part D surcharge of $14.50 to $91/month. This calculator matches your income and filing status against the official 2026 IRMAA brackets.

2026 IRMAA Brackets (Single / Married Filing Jointly)

Monthly Part B premium by 2024 MAGI:

• Up to $109,000 / $218,000 — $202.90 (standard)
• $109,001–$137,000 / $218,001–$274,000 — $284.10
• $137,001–$171,000 / $274,001–$342,000 — $405.80
• $171,001–$205,000 / $342,001–$410,000 — $527.50
• $205,001 to under $500,000 / $410,001 to under $750,000 — $649.20
• $500,000+ / $750,000+ — $689.90

Methodology & Sources

The calculator uses a two-year lookback: your 2026 premiums are based on your 2024 tax return's MAGI, matched to the 2026 brackets published by the Centers for Medicare & Medicaid Services (CMS). IRMAA (Income-Related Monthly Adjustment Amount) is the surcharge added to Part B and Part D for higher incomes. One strategy to reduce future IRMAA: Qualified Charitable Distributions (QCDs) of up to $111,000 in 2026 (age 70½+) lower MAGI, per IRS annual inflation adjustments. Results are educational estimates, not a benefits determination.

Primary sources: CMS premium announcements • Medicare.gov cost overview • IRS Notice 2025-67 (QCD limit)