2026 Calculator
Medicare Premium Calculator
Calculate your Medicare Part B and Part D premiums
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What is IRMAA and how does it affect my premium?
IRMAA (Income-Related Monthly Adjustment Amount) is a surcharge added to Medicare Part B and Part D premiums for higher-income beneficiaries. It's based on your modified adjusted gross income (MAGI) from 2 years ago. For 2026, IRMAA applies to individuals with MAGI over $106,000 or couples over $212,000.
What is the 2026 Medicare Part B premium?
The standard 2026 Medicare Part B premium is $185.00 per month for individuals with income at or below $106,000 ($212,000 for married couples). Higher earners pay more due to IRMAA surcharges, ranging from $259.00 to $628.90 per month depending on income level.
Can I reduce my Medicare premium?
You can appeal IRMAA if you've had a life-changing event (retirement, divorce, death of spouse) that significantly reduced your income. File Form SSA-44 with Social Security. You can also reduce future premiums by managing MAGI through Roth conversions timing, charitable giving, and tax-efficient retirement withdrawals.