Glossary · Medicare
What is IRMAA?
IRMAA is an extra amount people with higher incomes pay on top of their Medicare Part B premium, and on Part D. CMS says it affects roughly 8% of people with Part B.
Definition and figures from CMS fact sheet, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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IRMAA (income-related monthly adjustment amount): the facts
| Item | Fact | Source |
|---|---|---|
| 2026 Part B, income up to $109,000 single / $218,000 joint | $0 adjustment; $202.90 total | CMS fact sheet: 2026 Medicare Parts A & B premiums and deductibles (Nov 14, 2025) |
| Over $109,000 to $137,000 / $218,000 to $274,000 | $81.20 adjustment; $284.10 total | CMS fact sheet: 2026 Medicare Parts A & B premiums and deductibles (Nov 14, 2025) |
| Over $137,000 to $171,000 / $274,000 to $342,000 | $202.90 adjustment; $405.80 total | CMS fact sheet: 2026 Medicare Parts A & B premiums and deductibles (Nov 14, 2025) |
| Over $171,000 to $205,000 / $342,000 to $410,000 | $324.60 adjustment; $527.50 total | CMS fact sheet: 2026 Medicare Parts A & B premiums and deductibles (Nov 14, 2025) |
| Over $205,000 to under $500,000 / $410,000 to under $750,000 | $446.30 adjustment; $649.20 total | CMS fact sheet: 2026 Medicare Parts A & B premiums and deductibles (Nov 14, 2025) |
| $500,000 or more / $750,000 or more | $487.00 adjustment; $689.90 total | CMS fact sheet: 2026 Medicare Parts A & B premiums and deductibles (Nov 14, 2025) |
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Related terms
Questions
What does irmaa mean in health insurance?
IRMAA is an extra amount people with higher incomes pay on top of their Medicare Part B premium, and on Part D. CMS says it affects roughly 8% of people with Part B.
Is there an IRMAA for 2027 yet?
This page shows the 2026 brackets CMS released on November 14, 2025. It will show 2027 figures once CMS publishes them.
What income does IRMAA use?
Modified adjusted gross income on your tax return, with separate brackets for individual and joint filers.