The standard Medicare Part B premium for 2026 is $202.90 a month, up $17.90 from $185.00 in 2025 (CMS). If your income was higher than a set limit, you also pay IRMAA, the income-related monthly adjustment amount. It is added to your Part B premium and to your Part D drug plan premium.
For 2026, Social Security looked at your 2024 tax return. If the IRS didn't have 2024, they used 2023. The income figure is your MAGI: adjusted gross income (Form 1040 line 11) plus tax-exempt interest (line 2a). For more on that, see how IRMAA is calculated.
In short, for 2026:
- IRMAA starts above $109,000 for single filers and $218,000 for married couples filing jointly.
- Total Part B premiums run from $202.90 up to $689.90 a month.
- The Part D add-on runs from $14.50 to $91.00 a month, on top of your plan's own premium.
2026 IRMAA brackets: single and most other filers
Use this table if you filed as single, head of household, or qualifying surviving spouse. It also applies if you were married filing separately and lived apart from your spouse the entire year.
| If your 2024 MAGI was | Part B premium per month | Part D add-on per month |
|---|---|---|
| $109,000 or less | $202.90 standard premium, no IRMAA | $0 (just your plan premium) |
| above $109,000 up to $137,000 | $284.10 includes $81.20 IRMAA | $14.50 + your plan premium |
| above $137,000 up to $171,000 | $405.80 includes $202.90 IRMAA | $37.50 + your plan premium |
| above $171,000 up to $205,000 | $527.50 includes $324.60 IRMAA | $60.40 + your plan premium |
| above $205,000 and less than $500,000 | $649.20 includes $446.30 IRMAA | $83.30 + your plan premium |
| $500,000 or more | $689.90 includes $487.00 IRMAA | $91.00 + your plan premium |
2026 IRMAA brackets: married filing jointly
The income limits apply to the combined MAGI on your joint return. The premiums are what each person enrolled in Medicare pays.
| If your 2024 MAGI was | Part B premium per month | Part D add-on per month |
|---|---|---|
| $218,000 or less | $202.90 standard premium, no IRMAA | $0 (just your plan premium) |
| above $218,000 up to $274,000 | $284.10 includes $81.20 IRMAA | $14.50 + your plan premium |
| above $274,000 up to $342,000 | $405.80 includes $202.90 IRMAA | $37.50 + your plan premium |
| above $342,000 up to $410,000 | $527.50 includes $324.60 IRMAA | $60.40 + your plan premium |
| above $410,000 and less than $750,000 | $649.20 includes $446.30 IRMAA | $83.30 + your plan premium |
| $750,000 or more | $689.90 includes $487.00 IRMAA | $91.00 + your plan premium |
See if an SSA-44 could lower your IRMAA. Start the free IRMAA check →
2026 IRMAA brackets: married filing separately
This table is only for people who filed separately and lived with their spouse at any time during the year. It has just two IRMAA tiers, and the first one already charges $649.20.
| If your 2024 MAGI was | Part B premium per month | Part D add-on per month |
|---|---|---|
| $109,000 or less | $202.90 standard premium, no IRMAA | $0 (just your plan premium) |
| above $109,000 and less than $391,000 | $649.20 includes $446.30 IRMAA | $83.30 + your plan premium |
| $391,000 or more | $689.90 includes $487.00 IRMAA | $91.00 + your plan premium |
Filed separately but lived apart all year?
When the IRS reports “married filing separately,” Social Security assumes you lived together at some point. If you lived apart the whole year, call 1-800-772-1213 (TTY 1-800-325-0778) and say so. Don't use Form SSA-44 for this. Social Security may ask for a copy of your Form 1040, or for your statement under penalty of perjury plus your spouse's last known address. Then it uses the individual table for you. It doesn't change your spouse's IRMAA unless they confirm it too (POMS HI 01120.060).
How to read the edges of each bracket
The official tables use careful wording at the boundaries, and it matters if your MAGI lands right on a line:
- “$109,000 or less” means exactly $109,000 pays no IRMAA.
- “Above $137,000 up to $171,000” includes $171,000. A single filer at exactly $137,000 is still in the $284.10 row; at $137,001 it's $405.80.
- “Above $205,000 and less than $500,000” does not include $500,000. At $499,999 you pay $649.20; at exactly $500,000, $689.90.
- “$500,000 or more” ($750,000 or more for joint filers) is the top tier.
Form SSA-44 prints the same lines in cents, like “$205,000.01 – $499,999.99.” It's the same rule, written a different way.
What the table doesn't include
- Late-enrollment penalty: a Part B late penalty is added on the standard premium only, not on the IRMAA (POMS HI 01101.031).
- Medicare Advantage reductions: some Medicare Advantage plans lower your Part B premium. That comes off the total.
- Your drug plan's premium: the Part D column is only the add-on. You still pay your plan's own premium.
Another way to see the tiers: most people pay about 25% of what Part B costs. The five IRMAA tiers pay 35%, 50%, 65%, 80% and 85% (POMS HI 01101.031).
If your income has dropped since 2024
These tables use income from two years ago, and a lot can change in two years. If your income went down because of a qualifying life-changing event, like retiring, you can ask Social Security to use a newer year with Form SSA-44.
Example: You're single with 2024 MAGI of $180,000. In 2026 you pay $527.50 for Part B and $60.40 on top of your drug plan. You retired in 2025 and your 2025 MAGI was $120,000, and 2026 won't be any lower. Using 2025, you'd drop to $284.10 and $14.50. That saves $289.30 a month ($243.40 + $45.90), or $3,471.60 a year. Here's how to fill out SSA-44.
Where these numbers come from
Every amount on this page matches the CMS fact sheet of November 14, 2025, the Federal Register notice of November 19, 2025 (90 FR 52063), SSA's POMS HI 01101.020 tables, and the table on page 1 of Form SSA-44 (12-2025). One small note: SSA's “Medicare Premiums” web page shows the top married-filing-separately Part B add-on as $487.90. Every other official source says $487.00 ($202.90 + $487.00 = $689.90), so we use $487.00.
Looking ahead? See what's known so far about the 2027 IRMAA brackets.