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Planning for higher-income Medicare costs in 2027 Open the official 2026 IRMAA reference and learn how 2027 will be calculated.
2027 rates are not official yet.
For 2027, Social Security generally looks at your 2025 tax return. The table below shows official 2026 amounts for planning only.
2026 IRMAA reference
Based on 2024 modified adjusted gross income. Amounts shown are per person, per month.
Swipe sideways to see all columns.
| Single income | Married joint income | Part B total | Part D extra |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | $0 |
| $109,001–$137,000 | $218,001–$274,000 | $284.10 | +$14.50 |
| $137,001–$171,000 | $274,001–$342,000 | $405.80 | +$37.50 |
| $171,001–$205,000 | $342,001–$410,000 | $527.50 | +$60.40 |
| $205,001–$499,999 | $410,001–$749,999 | $649.20 | +$83.30 |
| $500,000 or more | $750,000 or more | $689.90 | +$91.00 |
How the 2027 calculation works
- 1. Find your 2025 modified adjusted gross income.
- 2. Match it to the official 2027 bracket after Medicare publishes it.
- 3. Add any IRMAA amount to the standard Part B premium and your own Part D plan premium.
Source: Medicare.gov 2026 costs. Check Medicare.gov when the official 2027 table is released.
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