IM65

IRMAA Surcharge Calculator

Most people pay the standard Part B premium ($202.90). Higher earners pay an Income-Related Monthly Adjustment Amount, or IRMAA, on top of it. This page works out whether that applies to you and how much it would be.

Enter two things: your Modified Adjusted Gross Income and the filing status from that same return. The page points you at the right line — adjusted gross income from your Form 1040, plus any tax-exempt interest — and offers individual, married filing jointly, and married filing separately.

What comes back is the income band you land in, the Part B premium for that band, the Part D surcharge added on top of whatever your drug plan itself charges, the full bracket table with your row highlighted, and — when a surcharge applies — what those surcharges add up to over a year. It also explains the two-year lookback: 2026 premiums are set from your tax return from two years earlier, which is why a recent income drop is not yet reflected.

Limits worth knowing. It is an educational estimate built from published CMS brackets; Social Security determines your actual premium. It does not include the drug plan's own premium, compare plans, or enroll anyone. If a life-changing event Social Security recognizes — work stoppage or reduction, marriage, divorce, death of a spouse, loss of a pension or of income-producing property — cut your income after that tax year, Form SSA-44 asks Social Security to use a newer return.

Important Medicare Disclosure: We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227), 24 hours a day/7 days a week, to get information on all of your options. TTY users should call 1-877-486-2048. We are not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information.

Call 1-800-613-5565 (TTY: 711) · Mon–Fri 8am–8pm ET · Sat 9am–5pm ET · Calls are answered by a licensed insurance agent.