Free Medicare tool
Will Your Income Increase Your Medicare Premiums? Find Out in 60 Seconds.
Use our free Medicare IRMAA Calculator to estimate how your income may affect your Medicare Part B and Part D costs.
Your Estimated 2026 Medicare Costs
Enter your information, then select Calculate My Medicare Costs to see your estimate.
Why Your Retirement Income Strategy Matters
Several common financial decisions can influence the Medicare MAGI that determines your IRMAA bracket:
- Traditional IRA distributions.
- Required minimum distributions (RMDs).
- Roth IRA conversions.
- Capital gains.
- Certain other taxable income.
- Tax-exempt interest (it counts toward MAGI even though it is not taxed).
Qualified Roth IRA withdrawals generally do not increase MAGI, whereas Roth conversions generally do. Timing and sequencing can matter — which is why some retirees coordinate withdrawals across account types.
Life changed? You may be able to request a new determination
If your income dropped because of a qualifying life-changing event — such as retirement, a work reduction, a marriage or divorce, or the death of a spouse — you can file Social Security Form SSA-44 to ask the Social Security Administration for a new IRMAA determination based on your more recent, lower income.
Want the fuller picture of how IRMAA works and how tax diversification may help? Read our article, Medicare IRMAA: The Hidden Cost of Retirement. Read the Medicare IRMAA article →
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Medicare IRMAA: Common Questions
Quick answers about how IRMAA works and how this estimate is built.
What is Medicare IRMAA?
IRMAA stands for Income-Related Monthly Adjustment Amount. It is an additional premium that can be added to your Medicare Part B and Part D costs when your modified adjusted gross income exceeds certain thresholds.
Which year's income determines my 2026 IRMAA?
Medicare generally uses the income from your tax return two years earlier — for 2026 premiums, that is generally your 2024 income.
At what income does IRMAA begin in 2026?
IRMAA generally begins when modified adjusted gross income exceeds $109,000 for individual filers or $218,000 for married couples filing jointly. At higher income levels, both Part B and Part D surcharges can become substantial.
My income has dropped since 2024. Can I still lower my premium?
If your income dropped because of a qualifying life-changing event — such as retirement, a work reduction, a marriage or divorce, or the death of a spouse — you can file Social Security Form SSA-44 to ask the Social Security Administration for a new IRMAA determination based on your more recent, lower income.
How accurate is this estimate?
This calculator is an educational estimate using official 2026 Medicare IRMAA schedules and generally 2024 tax information. Actual premiums are determined by the Social Security Administration. Results exclude Part D plan premiums and other Medicare costs.
Related Reading
This calculator is an educational estimate using official 2026 Medicare IRMAA schedules and generally 2024 tax information. Actual premiums are determined by the Social Security Administration. Results exclude Part D plan premiums and other Medicare costs. Information provided does not constitute individualized tax, legal, investment, or insurance advice.
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