IRMAA Charges in 2026

Medicare IRMAA Brackets for 2026: What Higher-Income Beneficiaries Need to Know

Many Medicare beneficiaries are surprised to learn that not everyone pays the same premium for Medicare Part B and Part D. If your income exceeds certain limits, you may be required to pay an additional surcharge known as IRMAA (Income Related Monthly Adjustment Amount).

What Is IRMAA?

IRMAA is an extra premium added to your Medicare Part B and Medicare Part D costs if your income exceeds Medicare's income thresholds.

The Social Security Administration generally reviews your tax return from two years ago when determining whether IRMAA applies.

Who Pays IRMAA?

You may pay IRMAA if your modified adjusted gross income (MAGI) exceeds Medicare's annual income thresholds.

Examples of income that can impact IRMAA include:

• Wages and salary
• Retirement account withdrawals
• Capital gains from investments
• Rental property income
• Business income

How Much More Could You Pay?

Higher-income Medicare beneficiaries may pay significantly more than the standard Part B premium.

The exact amount depends on:

• Your filing status
• Your reported income
• The current Medicare IRMAA brackets

Can IRMAA Be Appealed?

Yes. Certain life-changing events may qualify you for an IRMAA reconsideration, including:

• Retirement
• Marriage or divorce
• Death of a spouse
• Loss of income-producing property
• Reduction in work hours

How We Can Help

Understanding Medicare costs can be confusing, especially when IRMAA is involved. At The Insurance Workshop, we help clients understand their Medicare expenses and identify plan options that fit their healthcare and financial needs.

Have questions about Medicare costs? Contact our team for personalized guidance.