What are my published Part B and Part D IRMAA additions, and how close am I to the next tier?
Calculate official 2025 or 2026 full-Part-B and Part-D income-related additions using the normal two-year income lookback. Enter AGI and tax-exempt interest from the relevant return, filing status and plan premium. Results show monthly per-person amounts, annual household additions and the complete applicable tier table. Unpublished 2027 and 2028 premium schedules are unavailable, not projected.
IRMAA calculator
Quick answer
Calculate official 2025 or 2026 full-Part-B and Part-D income-related additions using the normal two-year income lookback. Enter AGI and tax-exempt interest from the relevant return, filing status and plan premium. Results show monthly per-person amounts, annual household additions and the complete applicable tier table. Unpublished 2027 and 2028 premium schedules are unavailable, not projected.
Also answers
- 2026 Medicare IRMAA
- 2025 Part B Part D income tiers
- Medicare two year lookback
- IRMAA income headroom
Good fit when
- Checking official historical and current premiums
- Separating tax income from Medicare premium years
- Understanding tier thresholds without inventing future amounts
Have ready
- Published premium year and matching income return year
- Relevant filing status and MFS living-together status
- Income-year AGI and tax-exempt interest
- Monthly Part D plan premium and people with identical coverage
Result you get
Complete tier table, monthly per-person B/D additions, annual household premiums and next-threshold boundary/headroom.
How this calculation works
- Support only published premium years 2025 and 2026, separate from income years 2023 and 2024.
- Calculate normal IRMAA MAGI as AGI plus tax-exempt interest.
- Use the applicable individual, MFJ or married-separate-lived-together table and its exact inclusive/exclusive boundaries.
- Display full Part B totals and separate Part D additions; add the entered drug-plan premium only to Part D totals.
- Scale annual amounts by confirmed identical-coverage beneficiary count, not by filing status alone.
- Default 2026 example: one single beneficiary with 2024 MAGI $120,000 has Part B total $284.10, Part D addition $14.50 and annual combined IRMAA $1,148.40.
Common mistakes and caveats
- 2027 and 2028 premium amounts and thresholds are unpublished and explicitly unavailable; neither the title nor results claim future official schedules.
- Normal two-year lookback only. SSA-44 appeals and alternate income-year determinations are blocked.
- Full Part B plus Part D only; no immunosuppressive-only coverage, late penalties, subsidies, hold-harmless or Advantage reduction.
- Annual amounts assume uninterrupted twelve-month enrollment with identical MAGI, tier, coverage and plan costs for the selected beneficiaries.
FAQ
Which tax return normally determines the premium?
SSA normally uses MAGI from two years before the premium year: 2023 income for 2025 premiums, and 2024 income for 2026 premiums. The two form inputs must match that relationship. A 2026 Roth conversion would normally affect 2028 premiums, not the 2026 bill. Because 2028's schedule is unpublished, this tool does not display an official 2028 premium or use 2026 tiers as a disguised forecast.
What income is included in Medicare IRMAA MAGI?
The normal calculation adds tax-exempt interest to adjusted gross income from the relevant federal return. A taxable IRA conversion can increase AGI, while a municipal bond's federal exemption does not remove its interest from this Medicare income test. Roth-contribution MAGI uses a different worksheet and must not be substituted for the SSA MAGI definition.
Does crossing a threshold change the premium on just one dollar?
No. IRMAA is a tier schedule: entering a higher tier changes the full monthly income-related addition, not a marginal tax on the excess income. Most listed lower thresholds are inclusive in the current tier, so equality does not advance the tier. The highest tier begins at its stated boundary. The headroom result states whether equality stays in the current tier or enters the next one.
How do married-separate and qualifying surviving spouse statuses work?
Married-separate beneficiaries who lived with their spouse at any time in the income year use a special three-tier schedule. Those who lived apart all year use the individual schedule. The Medicare joint table applies to married filing jointly; qualifying surviving spouse uses the individual Medicare table, even though that filing status uses joint-like federal income-tax brackets. Never substitute income-tax brackets for premium tiers.
Does Part D IRMAA include the drug plan premium?
No. The published Part D amount is an addition to the selected plan's premium. The calculator displays both the income-related addition and the total after adding the entered plan premium. Part B totals include the standard Part B premium. Annual household figures assume twelve months of both coverages and the same entered Part D premium for each selected beneficiary.
Can retirement, a life-changing event or hold-harmless change my bill?
Yes. SSA can use specific procedures and evidence for a different income determination, and other billing rules can affect actual Part B premiums. This tool blocks alternate-income-year/life-changing-event scenarios and immunosuppressive-only coverage. It also excludes hold-harmless, late-enrollment penalties, subsidies and Medicare Advantage premium reductions. The published standard full-coverage estimate is not an appeal determination.
Last updated & sources
Last updated October 13, 2026.
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