Medicare IRMAA adds $81.20 to $487 a month to Part B in 2026
IRMAA is an extra charge on Medicare premiums for people with higher incomes. In 2026 it starts at single income over $109,000 or joint income over $218,000. It adds $81.20 to $487 a month to Part B and $14.50 to $91 a month to Part D.
2026 IRMAA brackets
| Single up to $109,000, joint up to $218,000 | Part B +$0, Part D +$0 |
|---|---|
| Single $109,001 to $137,000, joint $218,001 to $274,000 | Part B +$81.20, Part D +$14.50 |
| Single $137,001 to $171,000, joint $274,001 to $342,000 | Part B +$202.90, Part D +$37.50 |
| Single $171,001 to $205,000, joint $342,001 to $410,000 | Part B +$324.60, Part D +$60.40 |
| Single $205,001 to $499,999, joint $410,001 to $749,999 | Part B +$446.30, Part D +$83.30 |
| Single $500,000 or more, joint $750,000 or more | Part B +$487.00, Part D +$91.00 |
| Married filing separately, $109,001 to $390,999 | Part B +$446.30, Part D +$83.30 |
| Married filing separately, $391,000 or more | Part B +$487.00, Part D +$91.00 |
| Lowest bracket, Part B add-on for 12 months | $974.40 |
|---|---|
| Top bracket, Part B add-on for 12 months | $5,844 |
Income means modified adjusted gross income. The Part B add-on is on top of the $202.90 standard premium. The Part D add-on is on top of your plan's premium. CMS says about 8 percent of people pay IRMAA. Source: Centers for Medicare and Medicaid Services, 2026 Medicare Parts A and B Premiums and Deductibles fact sheet (Nov 14, 2025).
What this price covers
The Part B add-on has applied since 2007 and the Part D add-on since 2011. Both are paid to Medicare, even if your Part D premium goes to a private plan.
What changes your price
- Income. The add-on rises in five steps.
- Tax filing status. Married filing separately reaches the high brackets fastest.
Ways to pay less
- If your income fell because of a life event such as retirement, ask Social Security to review your IRMAA.
- Watch the bracket edges. One dollar over can mean a higher add-on all year.
How we got these numbers
Every number on this page comes from the Centers for Medicare and Medicaid Services (CMS), the agency that sets the fee. Where we show a total, we only add up the agency's own listed fees so you can see the full cost in one place. We do not add our own guesses and there is no calculator, because the government sets one price for everyone. Fees can change, so check the agency's website before you pay. We last checked on September 26, 2026.
Common questions
What is IRMAA for 2026?
An extra $81.20 to $487 a month on Part B and $14.50 to $91 on Part D for higher incomes.
When does IRMAA start?
Above $109,000 single or $218,000 joint income.