IRMAA surcharges can add thousands per year to your Medicare premiums. See your bracket, your cost, and what happens if your income goes just $1 over the next threshold.
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IRMAA uses your MAGI from 2 years ago. 2026 premiums are based on your 2024 tax return. Leave blank or zero for items that don't apply.
Updates live as you type. Based on projected 2026 IRMAA brackets.
| MAGI Range | Part B/mo | Part D+ | Annual |
|---|
Standard Part B has grown 5.8% per year on average since 2020 (CMS published rates). At that pace, here's the projection through 2035 for the standard tier and the top IRMAA tier — the gap is the cost of NOT planning for income brackets.
| Year | Standard Part B | YoY % | Tier 5 (Part B + D) | Annual Tier 5 |
|---|
Sources: CMS annual Medicare Part B premium announcements (Nov 2019 – Sept 2025). Projection assumes the 2020–2026 compound annual growth rate of 5.8% continues. Actual future premiums depend on Medicare trust fund spending and Congressional action and may differ. Educational illustration only.
Enter your info below and we'll email you a personalized copy of your 2026 Medicare premium report — your IRMAA bracket, annual cost, and where the cliff is. Hans Goldstein will also include 1-2 income-planning moves that could keep you in a lower bracket. Free. No pitch.
Hans will personally review your MAGI breakdown and email you within 24 hours with 1-2 educational notes on the math behind or avoid IRMAA surcharges. This is free educational math help from a 501(c)(3) nonprofit — not a financial advisor relationship, not a recommendation, not a sales call.