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IRMAA — Income-Related Monthly Adjustment Amount

If your modified adjusted gross income (MAGI) exceeds certain thresholds, you'll pay more for Medicare Parts B and D. Based on your 2024 tax return.

Individual MAGI Married Filing Jointly Part B Monthly Premium Part D Monthly Surcharge
≤ $109,000≤ $218,000$202.90$0.00
$109,001 – $137,000$218,001 – $274,000$284.10+ $14.50
$137,001 – $171,000$274,001 – $342,000$405.80+ $37.40
$171,001 – $205,000$342,001 – $410,000$527.50+ $60.30
$205,001 – $500,000$410,001 – $750,000$649.20+ $83.20
Above $500,000Above $750,000$689.90+ $91.00

Key IRMAA Facts

Two-year lookback: Your 2026 IRMAA is based on your 2024 tax return.

Cliff effect: Just $1 over a threshold triggers the full surcharge for that bracket.

Both spouses pay: If married filing jointly, both spouses pay the higher premium.

You can appeal: File Form SSA-44 if you had a life-changing event (retirement, death of spouse, divorce, loss of income).

Applies to Medicare Advantage too: IRMAA surcharges apply regardless of plan type.

As a Registered Social Security Analyst, Darin helps coordinate your income strategy to minimize IRMAA. See the full 2026 cost table for context.

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Darin Weidauer

Written and reviewed by Darin Weidauer — licensed Colorado insurance agent (NPN 18580338), Gerontologist (USC Davis School of Gerontology), MBA, Registered Social Security Analyst, and U.S. Air Force veteran. Independent and appointed with 10 Colorado carriers.Last reviewed September 2, 2026. Plan availability, benefits and costs change every plan year — verify current details at Medicare.gov or 1-800-MEDICARE.