What is IRMAA?
The Income-Related Monthly Adjustment Amount (IRMAA) is an additional fee added to your standard Medicare Part B and Part D premiums.
The IRMAA penalty depends on your modified adjusted gross income (MAGI) from two years prior. For example, the 2026 IRMAA chart will be based on your income in 2024. The amounts are determined annually by the Social Security Administration (SSA) and are adjusted for inflation.
IRMAA Chart for 2026
The SSA recently released the updated IRMAA thresholds and premium amounts for 2026 – see the below chart.
If you’re unsure whether IRMAA will apply to you, or want help planning around it during Medicare enrollment, our licensed consultants can walk you through your specific situation at no cost. Call us at 330-633-7713 if you should have any questions about IRMAA.
| Filing Individually | Filing Jointly | Married Filing Sep | Part B Premium | Part D IRMAA + Plan Premium | Part B + Part D |
|---|---|---|---|---|---|
| $109,000 or less | $218,000 or less | $109,000 or less | $202.90 | Your plan premium | $202.90 |
| $109,001 to $137,000 | $218,001 to $274,000 | Not Applicable | $284.10 ($202.90 + $81.20) | + $14.50 | $298.60 |
| $137,001 to $171,000 | $274,001 to $342,000 | Not Applicable | $405.80 ($202.90 + $202.90) | + $37.50 | $443.30 |
| $171,001 to $205,000 | $342,001 to $410,000 | Not Applicable | $527.50 ($202.90 + $324.60) | + 60.40 | $587.90 |
| $205,001 to $499,999 | $410,001 to $749,999 | $109,001 to $391,000 | $649.50 ($202.90 + $446.30) | + $83.30 | $732.80 |
| $500,000 or above | $750,000 or above | $391,001 and above | $689.90 ($202.90 + $487.00) | + $91.00 | $780.90 |
