Medicare Part B premium and IRMAA calculator
Enter your income and tax filing status. The calculator shows your 2026 monthly Medicare Part B premium, including the income-related monthly adjustment amount (IRMAA), and the extra Part D surcharge you would pay with a drug plan.
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Your 2026 Part B premium
$284.10 a month
That includes an income-related surcharge of $81.20 a month, about $974 a year. If you have a Part D drug plan, you also pay an extra $14.50 a month for it.
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This is an estimate for general information, not an insurance quote or advice. Confirm dates and costs with your plan, your marketplace or Medicare.
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 1-800-MEDICARE to get information on all of your options.
How is the premium set?
Most people pay the standard Part B premium, $202.90 a month in 2026. If your modified adjusted gross income is above $109,000 (single) or $218,000 (married filing jointly), you pay a higher amount, from $284.10 up to $689.90 a month. Medicare uses the tax return from two years earlier, so 2026 premiums are based on your 2024 income.
What does it leave out?
Married people who file separately have a different table and are not covered here. The 2027 premium and brackets are not announced yet, so this uses 2026 amounts. If your income has dropped because of retirement, marriage, divorce or another life-changing event, you can ask Social Security to use a more recent year. Low-income people may get help from a Medicare Savings Program.
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Common questions
What is the standard Part B premium in 2026?
$202.90 a month, with a $283 yearly deductible.
What is IRMAA?
The income-related monthly adjustment amount, an extra charge on Part B and Part D premiums for people with higher incomes.
Which year's income counts?
Medicare looks at your tax return from two years earlier. For 2026 premiums that is your 2024 return.