Your Information
Enter your details to calculate your estimated surcharges.
IRMAA is based on your tax return from 2 years ago. For 2026 premiums, the IRS uses your 2024 MAGI.
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No IRMAA Surcharge Expected
Based on a MAGI of $0.00 (Single)
Estimated Part B Premium
Base $202.90 + $0.00 IRMAA
Estimated Part D Surcharge
Added to your chosen plan's premium
Note: IRMAA is reassessed every year based on your most recent tax return. Life-changing events (retirement, divorce, death of a spouse) may allow you to request a reduction from the SSA.
2026 IRMAA Brackets (Single)
Based on 2024 MAGI
| Yearly Income (MAGI) | Part B Surcharge | Part D Surcharge |
|---|---|---|
| $109,000 or less | $0.00 | $0.00 |
| $109,001 to $137,000 | $81.20 | $14.50 |
| $137,001 to $171,000 | $202.90 | $37.50 |
| $171,001 to $205,000 | $324.60 | $60.40 |
| $205,001 to $499,999 | $446.30 | $83.30 |
| $500,000 or above | $487.00 | $91.00 |
Did You Have a Life-Changing Event? You May Be Able to Appeal
IRMAA is based on your tax return from 2 years ago. If your income has gone down significantly since then due to certain life-changing events, you may be able to ask the Social Security Administration to use your more recent income instead — which could reduce or eliminate your IRMAA surcharge.
Qualifying life-changing events include:
- Retirement or reduction in work hours
- Death of a spouse
- Loss or reduction of pension income
- Marriage, divorce, or annulment
- Loss of income-producing property
- Employer settlement payment
How to appeal:
To request a reduction, you'll need to complete Form SSA-44 ("Medicare Income-Related Monthly Adjustment Amount – Life-Changing Event") and submit it to your local Social Security office along with documentation supporting your life-changing event.
You can download Form SSA-44 directly from the Social Security Administration website at ssa.gov/forms/ssa-44.pdf.
Not sure if your situation qualifies?
This is something I can help you think through. Even though IRMAA appeals are filed directly with Social Security (not through an insurance agent), I'm happy to talk through whether your circumstances might qualify and what documentation you'll need. Just book a free consultation below.
