IRMAA Income Related Monthly Adjustment Amount
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Medicare Part B Income-Related Monthly Adjustment Amounts
Since 2007, a beneficiary’s Part B monthly premium has been based on his or her income. These income-related monthly adjustment amounts affect roughly 8% of people with Medicare Part B. The 2026 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table:
Full Part B Coverage | |||
Beneficiaries who file individual tax returns with modified adjusted gross income: | Beneficiaries who file joint tax returns with modified adjusted gross income: | Income-Related Monthly Adjustment Amount | Total Monthly Premium Amount |
Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 | $202.90 |
Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $81.20 | $284.10 |
Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $202.90 | $405.80 |
Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $324.60 | $527.50 |
Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $446.30 | $649.20 |
Greater than or equal to $500,000 | Greater than or equal to $750,000 | $487.00 | $689.90 |
The 2026 Part B total premiums for high-income beneficiaries who only have immunosuppressive drug coverage under Part B are shown in the following table:
Part B Immunosuppressive Drug Coverage Only | |||
Beneficiaries who file individual tax returns with modified adjusted gross income: | Beneficiaries who file joint tax returns with modified adjusted gross income: | Income-Related Monthly Adjustment Amount | Total Monthly Premium Amount |
Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 | $121.60 |
Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $81.10 | $202.70 |
Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $202.70 | $324.30 |
Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $324.30 | 445.90 |
Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $445.90 | $567.50 |
Greater than or equal to $500,000 | Greater than or equal to $750,000 | $486.50 | $608.10 |
Premiums for high-income beneficiaries with full Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
Full Part B Coverage | ||
Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses with modified adjusted gross income: | Income-Related Monthly Adjustment Amount | Total Monthly Premium Amount |
Less than or equal to $109,000 | $0.00 | $202.90 |
Greater than $109,000 and less than $391,000 | $446.30 | $649.20 |
Greater than or equal to $391,000 | $487.00 | $689.90 |
Premiums for high-income beneficiaries with immunosuppressive drug only Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
Part B Immunosuppressive Drug Coverage Only | ||
Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses with modified adjusted gross income: | Income-Related Monthly Adjustment Amount | Total Monthly Premium Amount |
Less than or equal to $109,000 | $0.00 | $121.60 |
Greater than $109,000 and less than $391,000 | $445.90 | $567.50 |
Greater than or equal to $391,000 | $486.50 | $608.10 |
For more information on the 2026 Medicare Parts A and B premiums and deductibles (CMS-8089-N, CMS-8090-N, CMS-8091-N), please visit https://www.federalregister.gov/public-inspection.
Medicare Part D Income-Related Monthly Adjustment Amounts
Since 2011, a beneficiary’s Part D monthly premium has been based on his or her income. Approximately 8% of people with Medicare Part D pay these income-related monthly adjustment amounts. These individuals will pay the income-related monthly adjustment amount in addition to their Part D premium. Part D premiums vary by plan and, regardless of how a beneficiary pays their Part D premium, the Part D income-related monthly adjustment amounts are deducted from Social Security benefit checks or paid directly to Medicare. Roughly two-thirds of beneficiaries pay premiums directly to the plan while the remainder have their premiums deducted from their Social Security benefit checks. The 2026 Part D income-related monthly adjustment amounts for high-income beneficiaries are shown in the following table:
Part D | ||
Beneficiaries who file individual tax returns with modified adjusted gross income: | Beneficiaries who file joint tax returns with modified adjusted gross income: | Income-related monthly adjustment amount |
Less than or equal to $109,000 | Less than or equal to $218,000 | $0.00 |
Greater than $109,000 and less than or equal to $137,000 | Greater than $218,000 and less than or equal to $274,000 | $14.50 |
Greater than $137,000 and less than or equal to $171,000 | Greater than $274,000 and less than or equal to $342,000 | $37.50 |
Greater than $171,000 and less than or equal to $205,000 | Greater than $342,000 and less than or equal to $410,000 | $60.40 |
Greater than $205,000 and less than $500,000 | Greater than $410,000 and less than $750,000 | $83.30 |
Greater than or equal to $500,000 | Greater than or equal to $750,000 | $91.00 |
Premiums for high-income beneficiaries who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
Part D | |
Beneficiaries who are married and lived with their spouses at any time during the year, but file separate tax returns from their spouses with modified adjusted gross income: | Income-related monthly adjustment amount |
Less than or equal to $109,000 | $0.00 |
Greater than $109,000 and less than $391,000 | $83.30 |
Greater than or equal to $391,000 | $91.00 |