What is this dataset?
It is the 2026 table of Medicare income tiers and the monthly amounts added at each tier: the standard Part B premium, the Part B adjustment, and the Part D adjustment, for individual filers, joint filers and married people filing separately. The figures come from the Centers for Medicare and Medicaid Services announcement and Social Security's published table.
Source: CMS fact sheet: 2026 Medicare Parts B premiums and deductibles. cms.gov, retrieved 2026-10-11, effective 2026-01-01. Income is MAGI from your tax return two years earlier.
Individual and joint returns
| Individual MAGI | Joint MAGI | Part B total, monthly | Part B adjustment | Part D adjustment |
|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0.00 | $0.00 |
| Over $109,000 to $137,000 | Over $218,000 to $274,000 | $284.10 | $81.20 | $14.50 |
| Over $137,000 to $171,000 | Over $274,000 to $342,000 | $405.80 | $202.90 | $37.50 |
| Over $171,000 to $205,000 | Over $342,000 to $410,000 | $527.50 | $324.60 | $60.40 |
| Over $205,000 to under $500,000 | Over $410,000 to under $750,000 | $649.20 | $446.30 | $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | $487.00 | $91.00 |
Married, lived with spouse, filing separately
| MAGI | Part B total, monthly | Part D adjustment |
|---|---|---|
| $109,000 or less | $202.90 | $0.00 |
| Over $109,000 to under $391,000 | $649.20 | $83.30 |
| $391,000 or more | $689.90 | $91.00 |
How do I read the table?
- 01
Find your filing status
Individual, joint or married filing separately.
- 02
Find your income from two years ago
Use modified adjusted gross income from that year's return.
- 03
Read your row
The Part B column is your total monthly Part B premium; the Part D column is added to your drug plan's premium.
What rule sets IRMAA?
Federal law requires higher-income Medicare beneficiaries to pay a larger share of Part B and Part D costs. Social Security decides whether you owe IRMAA from the tax data the IRS sends it, and CMS sets the dollar amounts each year. Income tiers are adjusted for inflation. If your income has dropped since the lookback year because of a life-changing event, including retirement, you can ask for a new determination.
Where to go next
IRMAA is one input in the FEHB and Part B decision at 65. Compare both paths in the FEHB vs Medicare tool, and read FEHB and Medicare at 65.
The year you retire can change your income picture for IRMAA.
FFEBA is an education organization. If you want someone to look at your own numbers, we can match you with a Federal Retirement Consultant (FRC®), a professional trained on federal benefits. The FRC designation is listed with FINRA. The first review is free, nothing is booked until you choose a time, and you are never obligated to work with anyone we introduce. Get matched with an FRC.
Questions about this data
What income is used for IRMAA?
Social Security uses your modified adjusted gross income from your federal tax return two years before the premium year: adjusted gross income plus tax-exempt interest. For 2026 premiums, that is generally your 2024 return.
Can I appeal IRMAA?
Yes. If your income dropped because of a life-changing event such as retirement, marriage, divorce or the death of a spouse, you can ask Social Security to use a more recent year with form SSA-44. Retiring from federal service is one of the qualifying events.
When are the 2027 IRMAA brackets published?
CMS usually announces the next year's Part B premium and IRMAA amounts in the fall. This page switches to 2027 when the figures are published, and keeps the date beside the table.
Does IRMAA affect FEHB premiums?
No. IRMAA is added only to Medicare Part B and Part D premiums. It matters to federal retirees deciding whether to add Part B to FEHB at 65.
Reviewed by the FFEBA education team. Last reviewed October 2026.
Sources
- Social Security Administration, Medicare premiums: rules for higher-income beneficiaries, retrieved 2026-10-11
- Centers for Medicare and Medicaid Services, annual Medicare Parts B and D premium announcement, retrieved 2026-10-11
Every government figure on this page carries its source and retrieval date. Worked examples are educational estimates on the assumptions shown, not a projection of any person's benefit. FFEBA is an education organization, not a financial advisor.
