What Does IRMAA Stand For?
- Greg Lewis
- Nov 17, 2022
- 1 min read
Updated: Jan 6
Income-related Monthly Adjustment Amount
The standard Part B premium amount in 2026 is $202.90. Most people pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you'll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA).
The income-related monthly adjustment amount (IRMAA) is an extra charge added to your premium. It is a sliding scale with a set of statutory percentage-based tables used to adjust Medicare Part B and Part D prescription drug coverage premiums. The higher the beneficiary's range of modified adjusted gross income (MAGI), the higher the IRMAA. Part B & D premium costs are listed below.
Monthly Medicare Part B and D costs per person in 2026, by income*
SINGLE FILERS | MARRIED, FILING JOINTLY | PART B PREMIUM | PART D SURCHARGE † |
Income: $109,000 or less | Income: $218,000 or less | $202.00 | $0 |
$109,001 - $137,000 | $218,001 - $274,000 | $284.10 | $14.50 |
$137,001 - $171,000 | $274,001 - $342,000 | $405.80 | $37.50 |
171,001 - $205,000 | $342,001 - $410,000 | $527.50 | $60.40 |
$205,001 - $499,999 | $410,001 - $750,000 | $649.20 | $83.30 |
$500,000 and above | $750,000 and above | $689.90 | $91.00 |
*Income determining 2026 premiums is 2024 adjusted gross income plus tax-exempt interest income
†Surcharge is added to the Part D premium, which varies based on the plan
Source: Centers for Medicare and Medicaid Services
