This page opens with the bracket table first: pick your filing status and enter the income from your 2025 return, and the calculator highlights your row. The default is a single filer with $150,000 of MAGI, which lands in tier 2. The full tables for every filing status follow below the explanation.
How to read an IRMAA table
Each row is one tier. MAGI is your adjusted gross income plus tax-exempt interest. The edges are exact: “$109,001 – $137,000” means $109,000 is still the row above. Part B a month is the whole premium you pay, the standard premium plus the surcharge; Part D IRMAA is added to whatever your drug plan charges, and you pay it whichever plan you choose. Surcharge a year is both surcharges times twelve, per person: on a joint return with both spouses on Medicare, double it.
Provisional until November
The 2027 figures here are the 2026 figures carried forward, because CMS hadn’t published 2027 amounts when this page was last checked. When it does, usually in November, the tables and the calculator switch to the official 2027 figures. Expect the standard premium and every tier’s premium to change, and the income edges to move, as they did from 2025 to 2026. A MAGI within a few thousand dollars of an edge is the case to recheck in November.
Which return, and what if it’s out of date
Social Security takes the MAGI from the return the IRS sends it, normally the one from two years before. A raise, a pension starting or a large sale shows up in your premiums two years later, for one year. If your income dropped since because of retirement, a spouse’s death, divorce or another event on SSA’s list, ask for a new decision with Form SSA-44.
2027 IRMAA brackets: single, head of household, qualifying surviving spouse, or married filing separately and lived apart all year
| Tier | MAGI (2025 return) | Part B a month | Part B IRMAA | Part D IRMAA | Surcharge a year |
|---|---|---|---|---|---|
| Standard | $109,000 or less | $202.90 | $0.00 | $0.00 | $0.00 |
| Tier 1 | $109,001 – $137,000 | $284.10 | $81.20 | $14.50 | $1,148.40 |
| Tier 2 | $137,001 – $171,000 | $405.80 | $202.90 | $37.50 | $2,884.80 |
| Tier 3 | $171,001 – $205,000 | $527.50 | $324.60 | $60.40 | $4,620.00 |
| Tier 4 | $205,001 – $499,999 | $649.20 | $446.30 | $83.30 | $6,355.20 |
| Tier 5 | $500,000 or more | $689.90 | $487.00 | $91.00 | $6,936.00 |
2027 IRMAA brackets: married filing jointly
| Tier | MAGI (2025 return) | Part B a month | Part B IRMAA | Part D IRMAA | Surcharge a year |
|---|---|---|---|---|---|
| Standard | $218,000 or less | $202.90 | $0.00 | $0.00 | $0.00 |
| Tier 1 | $218,001 – $274,000 | $284.10 | $81.20 | $14.50 | $1,148.40 |
| Tier 2 | $274,001 – $342,000 | $405.80 | $202.90 | $37.50 | $2,884.80 |
| Tier 3 | $342,001 – $410,000 | $527.50 | $324.60 | $60.40 | $4,620.00 |
| Tier 4 | $410,001 – $749,999 | $649.20 | $446.30 | $83.30 | $6,355.20 |
| Tier 5 | $750,000 or more | $689.90 | $487.00 | $91.00 | $6,936.00 |
2027 IRMAA brackets: married filing separately, lived with spouse at any time in the year
| Tier | MAGI (2025 return) | Part B a month | Part B IRMAA | Part D IRMAA | Surcharge a year |
|---|---|---|---|---|---|
| Standard | $109,000 or less | $202.90 | $0.00 | $0.00 | $0.00 |
| Tier 4 | $109,001 – $390,999 | $649.20 | $446.30 | $83.30 | $6,355.20 |
| Tier 5 | $391,000 or more | $689.90 | $487.00 | $91.00 | $6,936.00 |
Provisional: CMS hadn't published 2027 figures as of October 18, 2026, so these are the official 2026 figures. Surcharge a year = (Part B IRMAA + Part D IRMAA) × 12, per person, with drug coverage. Sources: CMS, 2026 Medicare Parts A & B Premiums and Deductibles; SSA, POMS HI 01101.020 and HI 01120.060.