Medicare costs
IRMAA brackets 2027
CMS has not released the 2027 IRMAA brackets yet. In 2026, IRMAA starts above $109,000 for individual returns and $218,000 for joint returns, per CMS.
CMS has not released the 2027 figures yet.
Expected in November 2026. The numbers below are the 2026 figures, labeled 2026. Rivvi checks the CMS fact sheet address daily and updates this page the day it goes live (last check 2026-10-23).
Source: CMS fact sheet: 2026 Medicare Parts A & B Premiums and Deductibles, published November 14, 2025.
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Quick facts
- 2027 status
- Not released yet
- First bracket (2026)
- Greater than $109,000 and less than or equal to $137,000 individual, greater than $218,000 and less than or equal to $274,000 joint
- Standard Part B (2026)
- $202.90 a month
- Top Part B total (2026)
- $689.90 a month
- Income year used
- Tax return from 2 years earlier (Medicare.gov)
IRMAA brackets for 2026
| Individual tax return | Joint tax return | Part B monthly premium | Part B IRMAA | Part D IRMAA |
|---|---|---|---|---|
| Less than or equal to $109,000 | Less than or equal to $218,000 | $202.90 | $0 | $0 |
| Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $284.10 | $81.20 | $14.50 |
| Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $405.80 | $202.90 | $37.50 |
| Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $527.50 | $324.60 | $60.40 |
| Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $649.20 | $446.30 | $83.30 |
| Greater than or equal to $500,000 | Greater than or equal to $750,000 | $689.90 | $487 | $91 |
Married, filing separately (2026)
| Separate tax return | Part B monthly premium | Part B IRMAA | Part D IRMAA |
|---|---|---|---|
| Less than or equal to $109,000 | $202.90 | $0 | $0 |
| Greater than $109,000 and less than $391,000 | $649.20 | $446.30 | $83.30 |
| Greater than or equal to $391,000 | $689.90 | $487 | $91 |
Related pages
Questions
What are the IRMAA brackets for 2027?
CMS has not released the 2027 IRMAA brackets yet. In 2026, IRMAA starts above $109,000 for individual returns and $218,000 for joint returns, per CMS.
Which tax year sets 2027 IRMAA?
Medicare.gov says IRMAA uses the modified adjusted gross income on your IRS tax return from 2 years ago, so 2027 IRMAA uses 2025 returns.
What is the highest IRMAA in 2026?
$689.90 a month total Part B premium plus $91 a month added to the Part D premium, for greater than or equal to $500,000 (individual) per CMS.
Who sends the IRMAA notice?
Social Security tells you if you have to pay a higher premium because of your income, per Medicare.gov.