IRMAA brackets
Effective January 1, 2026
2026 IRMAA brackets and Medicare premiums
The standard Part B premium jumped to $202.90/month (+9.7%). IRMAA income thresholds were indexed up — Tier 1 now covers MAGI up to $109,000 single / $218,000 joint.
| Item | 2025 | 2026 |
|---|---|---|
| Standard Part B premium | $185.00/mo | $202.90/mo |
| Part B annual deductible | $257 | $283 |
| IRMAA Tier 1 ceiling (single / joint) | $106,000 / $212,000 | $109,000 / $218,000 |
| Part D national base premium | $36.78/mo | $38.99/mo |
IRMAA remains a cliff, not a phase-in: cross a threshold by one dollar and the full surcharge applies for the entire year. The 2026 schedule runs six tiers up to $500,000 (single) / $750,000 (joint) — a statutory top bracket frozen since 2018.
Note the two-year lookback: your 2026 IRMAA is based on the MAGI from your 2024 tax return.
What this means for your plan
Personalized impact emails are coming to Pro — a note within days of each change showing how it moves your own plan’s success probability. For now, you can re-run your plan against the updated 2026 figures.