Not published yet
As of October 24, 2026, CMS has not published the 2027 Part B premium or the 2027 IRMAA brackets. Medicare.gov and Social Security still show the 2026 amounts. We'll post the official 2027 tables here once they're out. We won't guess at them before then.
If you've seen a “2027 IRMAA table” somewhere else, it's someone's projection, not the official numbers. Here's what is actually known, where it comes from, and what you can do now.
What we know for sure about 2027 IRMAA
It will use your 2025 tax return
IRMAA generally uses the tax return from two years before the premium year (POMS HI 01101.010). So 2027 IRMAA is based on your 2025 return. If the IRS doesn't have 2025 yet, Social Security uses 2024 and fixes it when 2025 arrives. Your income figure is the same as always: adjusted gross income (Form 1040 line 11) plus tax-exempt interest (line 2a).
The income limits rise with inflation
Each year CMS raises the IRMAA starting point and the tier limits by the increase in the Consumer Price Index, rounded to the nearest $1,000 (20 CFR 418.1105 and 418.1115). For example, the single-filer starting point went from $106,000 in 2025 to $109,000 in 2026.
The top-tier amounts are frozen until 2028
The $500,000 (individual) and $750,000 (joint) amounts where the top tier begins are not adjusted for inflation until 2028 (20 CFR 418.1115). The Social Security Act says the same about the $500,000 amount: it is indexed only for years after 2027 (section 1839(i)).
See if an SSA-44 could lower your IRMAA. Start the free IRMAA check →
When you'll see your own 2027 premium
On October 14, 2026, Social Security announced a 3.6% benefit increase for 2027. In the same release it said that for Medicare enrollees, “the 2027 premium amount will be available via my Social Security Message Center starting in late November.” If you haven't opted for online messages, your notice comes by mail in December.
To see your notice online, Social Security says you need a personal my Social Security account and paperless notices set up by November 18. You can start at ssa.gov/myaccount.
The regulation says CMS publishes the new amounts in September each year. In practice, the 2026 amounts came out on November 14, 2025.
Part D: one piece is out, the IRMAA amounts aren't
On July 28, 2026, CMS announced that the 2027 Part D base beneficiary premium will be $41.33. Part D IRMAA amounts are calculated from that base premium (POMS HI 01101.031). But CMS hasn't published the 2027 Part D IRMAA amounts themselves, so we don't list them.
What isn't known yet
- The 2027 standard Part B premium
- The 2027 IRMAA starting points and tier limits (apart from the $500,000 and $750,000 amounts above)
- The 2027 Part B IRMAA amounts and the 2027 Part D IRMAA amounts
For reference: the 2026 brackets
These are the 2026 amounts, based on 2024 income. They are not the 2027 numbers. The married-filing-separately table is on the 2026 IRMAA brackets page.
| 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 |
| 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 |
What to do now
If you pay IRMAA in 2026 and your income has already dropped
You don't have to wait for 2027. If the drop came from a qualifying life-changing event, like retiring, you can file Form SSA-44 now for 2026. Social Security then keeps using your newer income figure in later years. That lasts until the IRS reports that tax year (or a later one), you send an update, or the year is more than three years old (20 CFR 418.1235). So a 2026 request can carry into 2027.
If your 2025 income was high because of work you've since stopped
Your 2027 IRMAA will likely reflect that last working year. Once your 2027 IRMAA notice arrives, the SSA-44 path applies. Under the form's rules, you'd ask Social Security to use your 2027 estimate if 2027 will be lower than 2026. Otherwise you'd ask them to use 2026. Our guide to SSA-44 after retirement walks through it.
One caution from the form itself: if you don't have to pay IRMAA, don't file SSA-44, even if you had a life-changing event.
If your event happens late in 2026
If a qualifying event happens in October, November or December 2026 and it significantly lowers your 2026 income, you can ask for a 2026 adjustment until March 31, 2027 (POMS HI 01120.005; 20 CFR 418.1310).
When your 2027 letter comes
Check which tax year and MAGI it used. If something is wrong, you have 60 days to appeal. See what to do when you get an IRMAA letter. To see what an SSA-44 could save you, try the free IRMAA and SSA-44 check.