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Medicare
Review whether higher income may create an Income-Related Monthly Adjustment Amount for Part B or Part D.
2026 IRMAA estimate
CMS says 2026 IRMAA is based on modified adjusted gross income and filing status. For most people, Social Security uses tax information from 2 years earlier.
Based on the filing status selected above.
Added to the standard Part B premium.
Standard 2026 Part B premium plus IRMAA.
Paid in addition to any plan premium.
Estimated yearly IRMAA: $1,148.40. If you entered a Part D plan premium, the estimated monthly Part D cost before drug copays is $14.50. Social Security makes the official determination and may use newer information after qualifying life-changing events.
IRMAA is an additional amount some higher-income Medicare beneficiaries pay for Part B and Part D.
You need filing status and modified adjusted gross income from the tax year Social Security is using. If income changed after retirement or another life event, an appeal may be possible.
IRMAA can materially change the monthly Medicare budget, so it should be included when comparing Medicare coverage paths.
Use the estimate wisely
