Institutional-grade medical liability forecasting. Solve for Part A, B, and D premium structures, IRMAA surcharges, and Social Security COLA offsets with 2026 precision.
Official 2026 Medicare cost tiers and eligibility-based price thresholds.
| Medicare Part | Freq Amount | Basis |
|---|---|---|
| Part A (Hospital) | $0.00 | 40 Qtrs |
| Part B (Medical) | $185.00 | Standard |
| Part D (Drugs) | ~$45.00 | Average |
| Total Suite | ~$230.00 | Target |
| Income Row | B-Premium | D-Surcharge |
|---|---|---|
| Tier 1 (+k) | $259.00 | +$13.50 |
| Tier 3 (+k) | $470.00 | +$52.00 |
| Max Tier | $600.00+ | +$80.00+ |
| Basis Year | 2024 Tax | Lookback |
| Objective | Primary Factor | Outcome |
|---|---|---|
| Cost Reduction | MAGI Control | Shielded |
| Check Protection | Hold Harmless | Buffer |
| Benefit Max | Advantage (C) | Integrated |
| Penalty Avoid | On-time Enrol | Basis |
Medicare Premium logic represents the primary financial overhead for U.S. retiree healthcare planning. In the 2026 fiscal cycle, the focus is on navigating **MAGI-based IRMAA Surcharges**, **Part A Work-History Thresholds**, and **Social Security Net-Check Equilibrium**. Our S-Class engine analyzes the core expenditure vectors: **Hold Harmless Eligibility**, **COLA Indexing Multipliers**, and **Late Enrollment Actuarial Friction**.
Standard calculators often fail to account for the **COLA-Premium Feedback Loop**. Because Social Security Cost-of-Living Adjustments (COLA) and Medicare Part B premiums are announced simultaneously, their interaction determines your actual take-home pay. Our Premium Audit Engine applies a **Net Liquidity Index**, identifying the exact dollar-amount required to maintain purchasing power in 2026 while accounting for the 'IRMAA Surcharge Cliff' that often catches high-net-worth retirees off guard.
Expert guidance for navigating 2026 Medicare costs and surcharge protocols.
Internal Resource Mapping
Verified Institutional Framework • 2026 Edition