Medicare premium planning
2026 Medicare premium calculator guide
Medicare premiums can be more than the standard Part B amount when IRMAA applies. Use this guide to understand the pieces before using the calculator.
Open main calculatorBefore you decide
- Start with the 2026 standard Part B premium.
- Add the Part B IRMAA amount for your income tier.
- Add Part D IRMAA separately if you have Medicare drug coverage.
Standard Part B premium
$202.90 per month before any IRMAA surcharge.
First IRMAA tier
For single filers, the first 2026 IRMAA tier starts at $109,001 to $137,000.
Part D IRMAA
Part D IRMAA is separate from your drug plan premium and is added when income is above the threshold.
Best next step
Estimate your own premium jump
Use the main calculator if you want to test a specific MAGI and planned income event.
Open the IRMAA cliff calculatorOfficial sources
- CMS 2026 Medicare Parts A & B premiums and deductibles for Medicare Part B premium and IRMAA amounts.
- SSA Form SSA-44 for IRMAA life-changing event reconsideration.
- IRS Social Security income guidance for taxable Social Security benefit rules.